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Time of India
4 days ago
- Business
- Time of India
Nifty Private Bank Index Fund: Growth backed by interesting return profile
From the warmth of a grandmother's savings to the ambition behind a young entrepreneur's loan, private sector banks in India are at the heart of countless life-changing moments. The Nifty Private Bank Index Fund offers a simple, structured, and low-cost way for investors to participate in this quiet yet powerful transformation. Explore courses from Top Institutes in Select a Course Category Data Science Public Policy Artificial Intelligence Design Thinking Management Degree Product Management CXO Cybersecurity Data Analytics MBA Finance Operations Management Others Digital Marketing PGDM Project Management healthcare MCA others Data Science Healthcare Technology Leadership Skills you'll gain: Duration: 11 Months E&ICT Academy, Indian Institute of Technology Guwahati CERT-IITG Postgraduate Cert in AI and ML India Starts on undefined Get Details Skills you'll gain: Duration: 10 Months IIM Kozhikode CERT-IIMK DABS India Starts on undefined Get Details Skills you'll gain: Duration: 11 Months IIT Madras CERT-IITM Advanced Cert Prog in AI and ML India Starts on undefined Get Details Skills you'll gain: Duration: 10 Months E&ICT Academy, Indian Institute of Technology Guwahati CERT-IITG Prof Cert in DS & BA with GenAI India Starts on undefined Get Details by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Join new Free to Play WWII MMO War Thunder War Thunder Play Now Undo India's banking sector has long played a pivotal role in shaping the country's $4-trillion economy. From facilitating credit to expanding access for the underserved, it serves as the lifeblood of financial inclusion and economic momentum. The Reserve Bank of India's recent liquidity measures are expected to unlock Rs 2.9 lakh crore (about $35 billion), further propelling credit growth . Private sector banks are not just participants in India's growth story—they are clear outperformers. Live Events While they account for 28% of the Nifty 50's index weight, they contribute a larger 37% share of its profits. This reflects their superior efficiency, stronger balance sheets, and relentless focus on customers. Performance behind the scenes The numbers speak for themselves. Net Interest Income (NII) for private banks has seen a staggering rise over the past two decades. They grew steadily from less than Rs 25,000 crore in FY05 to over Rs 350,000 crore by FY25. This isn't just a reflection of loan books, it reflects growing trust, operational scale, and improved margins. Net Interest Margins (NIMs), a critical efficiency marker, have also remained healthy, sustaining a level above 4% in recent years. As depositors, borrowers, and investors vote with their feet, private banks have gained share in the loan market, from 13% in FY05 to 36% in FY25, and deposit market, where share expanded from 11% to 32% over the same period. Low risk, strong core While growth dazzles, risk matters. Private banks score well on this count too. Capital adequacy, a buffer that protects banks during downturns, is at an all-time high of 17.29% in FY25, comfortably above the RBI's regulatory threshold (11.7%). Meanwhile, net Non-Performing Assets (NPAs), those numbers that reflect asset quality, are at a 10-year low of just 0.50% compared to post-Covid stressful times of 1.92%. In simple terms, these banks are not just growing, they're also doing so responsibly. Decoding Nifty Private Bank index The 10-stock Nifty Private Bank Index is a sectoral benchmark that reflects the performance of India's leading private banks. Constituents are selected from the Nifty 500 and ranked based on market capitalisation, with weight caps to avoid over-concentration. Each stock weight is capped at 23%, and the top three combined cannot exceed 62% at rebalancing done semi-annually. The index includes household top private bank names. Together, they represent a mix of scale, innovation, and regional depth. At a P/E of 17.6 and P/B of 2.4, the Nifty Private Bank index appears reasonably valued compared to Nifty 50, which trades at a P/E of 22.3 and P/B of 3.62. For long-term investors, that valuation gap could hint at potential upside. Rebased to Rs 1,000 in April 2005, the Nifty Private Bank Index has surged to Rs 32,683 by June 2025, translating to a 20-year CAGR of over 18.6%, compared to 14.4% for Nifty 50. Over rolling 3- and 5-year periods too, the index has consistently delivered better returns, proving its strength across market cycles. Not every year is a win, but in 6 out of the last 10 calendar years, the index has outperformed the broader market. Why consider this investment Let's say you want to invest in the power of private banking, but without picking individual stocks or tracking performance manually. An index fund tracking the Nifty Private Bank Index offers: 1) Broad exposure to leading private banks. 2) Low cost, since it passively mirrors the index. 3) Minimum investment starting at Rs 1,000, making it accessible to everyday investors. 4) Systematic investment options, helping build long-term wealth slowly but steadily. You don't need a demat account. You don't need to monitor markets daily. What you need is a quiet commitment to your future, and to the silent powerhouses that keep India's economy ticking. Take part in the growth behind every swipe of a card, every EMI paid on time, and every SIP transaction made possible by private banks. (The author is Principal - Investment Strategy, ICICI Prudential AMC) ( Disclaimer : Recommendations, suggestions, views, and opinions given by experts are their own. These do not represent the views of the Economic Times)
Time of India
7 days ago
- Entertainment
- Time of India
Georgie & Mandy's First Marriage Season 2 release date: When will new episodes air?
After wrapping up its debut season earlier this year, CBS has officially confirmed that Georgie & Mandy's First Marriage will return for a second season, offering fans a deeper look into the young couple's quirky domestic life. The spinoff from the acclaimed Young Sheldon series is set to premiere on Thursday, October 16, 2025, as part of CBS's primetime fall programming slate. Confirmed Premiere Date and Timeslot Season 2 of Georgie & Mandy's First Marriage will air during the 2025-2026 television season, with CBS retaining the Thursday 8/7c slot for the series. This prime positioning signals the network's confidence in the show's growing fanbase and viewership momentum. As part of CBS's fall lineup, the show will resume its mix of heartfelt family drama and light-hearted humor, elements that have resonated with fans of the Young Sheldon universe and beyond. Returning Cast Members Expected in Season 2 While CBS has yet to release an official casting announcement, it is widely expected that all series regulars from Season 1 will reprise their roles. This includes, as mentioned in a report by TV Insider: by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Join new Free to Play WWII MMO War Thunder War Thunder Play Now Undo Montana Jordan as Georgie Cooper Emily Osment as Mandy Will Sasso and Rachel Bay Jones as Mandy's parents Dougie Baldwin and Jessie Prez in supporting roles There is also speculation that recurring characters from Young Sheldon may make additional appearances. Notably, Zoe Perry, Annie Potts, Raegan Revord, and Craig T. Nelson have featured in the spinoff's early episodes. A flashback or dream sequence cameo by Lance Barber as the late George Sr. has not been ruled out either. Casting updates are expected to be released by the network in the coming weeks. Live Events Storyline Expectations: Life Under One Roof Though no official episode summaries have been provided, Season 2 is expected to delve further into the challenges and triumphs of Georgie and Mandy as they navigate young parenthood and married life, all while residing under Mandy's parents' roof. The sitcom format has previously focused on the couple's efforts to maintain their individuality and relationship stability amid financial constraints and generational tensions. With their daughter growing and more decisions looming about independence, career paths, and family dynamics, Season 2 promises to offer more relatable themes and comedic moments. Creative Team Remains Steady Behind the Scenes Georgie & Mandy's First Marriage continues to be spearheaded by television veteran Chuck Lorre, along with executive producers Steve Holland and Steven Molaro—the creative minds behind The Big Bang Theory and Young Sheldon . Their ongoing involvement provides assurance that the tone and quality of the series will remain consistent with the broader franchise universe. Lorre's track record in developing long-running and character-driven comedies has been a central factor in CBS's confidence in the spinoff's longevity. A Young Sheldon Legacy Debuting shortly after Young Sheldon concluded its seven-season run, Georgie & Mandy's First Marriage picks up the thread of Georgie Cooper's life post-teen years, transitioning him from Sheldon's impulsive older brother to a father and husband trying to build a stable future. The show fills a notable gap in the Cooper family's story, tracing the early years of Georgie and Mandy's unconventional marriage and their efforts to reconcile personal growth with familial responsibilities. What Lies Ahead Fans eager to rejoin the Cooper family narrative can look forward to new plot twists, heartwarming developments, and possibly new faces when Georgie & Mandy's First Marriage Season 2 premieres on October 16, 2025. As CBS gears up for its fall rollout, the show is poised to retain its place as a cornerstone of the network's comedy slate. Additional details, including episode count, guest stars, and trailer drops, are anticipated in the lead-up to the fall season. Viewers are encouraged to stay tuned for more announcements from CBS in the coming weeks. Georgie & Mandy's First Marriage Season 2, premieres Thursday, October 16, 2025, exclusively on CBS. FAQs When is Georgie & Mandy's First Marriage Season 2 premiering? Season 2 is officially set to premiere on Thursday, October 16, 2025, as part of CBS's primetime fall lineup. What time will the new season air on CBS? The series will retain its Thursday 8/7c timeslot, continuing its position in CBS's flagship comedy block.
