A personal loan is one of the most preferred lending options in India for meeting any urgent requirement, such as home renovation, medical emergencies, education, debt consolidation, or weddings.

Whenever individuals consider buying a house, a vehicle, or any other big item, they must take one crucial step—organising their down payment.

DRChoksey Research has maintained a BUY on State Bank of India, setting a sum-of-the-parts target of Rs 1,272 against a market price of Rs 1,062, an upside of about 20 percent.

Anand Rathi Share and Stock Brokers has maintained a Buy rating on Karnataka Bank with a 12-month target price of Rs 364, implying roughly 25% upside from the current share price of Rs 291.

Axis Securities has maintained its Buy rating on Bank of Baroda, though it has trimmed the target price to Rs 290 from Rs 315, implying an 18% upside from the current market price of Rs 246.6.

Union Bank of India remains a constructive story after Anand Rathi Share and Stock Brokers reiterated a BUY call with a 12-month target price of Rs 206, implying meaningful upside from the current