https://curious-investor-research.vercel.app/ A personal research library covering Indian banking, payments, mutual funds and capital markets — built on RBI, SEBI, NPCI and AMFI data. en Thu, 25 Jun 2026 18:19:39 GMT https://curious-investor-research.vercel.app/reports/2026/rbi-annual-report-2025-26.html https://curious-investor-research.vercel.app/reports/2026/rbi-annual-report-2025-26.html Thu, 25 Jun 2026 01:30:00 GMT Banking Interactive dashboard built on the RBI Annual Report 2025-26: credit & deposit growth, payment rails (UPI, cards, RTGS/NEFT), resource mobilisation, MSME credit, financial inclusion index, macro indicators (M3, rates, reserve money), fraud trends and regulatory highlights. https://curious-investor-research.vercel.app/mutual-funds/ https://curious-investor-research.vercel.app/mutual-funds/ Sun, 14 Jun 2026 01:30:00 GMT Mutual Funds Institutional-depth one-pagers on India's best active funds — mid cap, small cap, flexi cap and value/contra. Ratings, risk metrics, portfolio DNA and fund manager profiles. https://curious-investor-research.vercel.app/indian-banks/ https://curious-investor-research.vercel.app/indian-banks/ Sun, 14 Jun 2026 01:30:00 GMT Banking Interactive scorecard tracking 14 banks and NBFCs — PSU, private and NBFC — across NIM, GNPA, RoA, RoE, CRAR, CASA and PAT from Q1FY23 to Q4FY26 with heatmap, trend lines, peer bar and radar views. https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-lending-overview.html https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-lending-overview.html Sat, 13 Jun 2026 01:30:00 GMT Banking A macro dashboard across India's six major retail lending segments — home loans, gold loans, personal loans, auto loans, credit cards, and consumer durables — covering ₹96L Cr in outstanding credit as of FY2026. https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-home-loans.html https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-home-loans.html Sat, 13 Jun 2026 01:30:00 GMT Banking Deep-dive into India's largest retail credit segment: ₹44.4L Cr in outstanding home loans, 9.4% YoY growth, lender share dynamics, PAR trends and origination data from CRIF High Mark. https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-gold-loans.html https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-gold-loans.html Sat, 13 Jun 2026 01:30:00 GMT Banking India's fastest-growing retail credit segment: ₹18.6L Cr outstanding, +50.4% YoY. Covers ticket-size dynamics, lender mix shift (NBFCs vs. banks), regulatory overhang and portfolio quality. https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-personal-loans.html https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-personal-loans.html Sat, 13 Jun 2026 01:30:00 GMT Banking Personal loans at ₹16.5L Cr (+12.9% YoY): borrower profile shifts, delinquency trajectory, RBI unsecured-lending guardrails and the cooling-off in origination volumes. https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-auto-loans.html https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-auto-loans.html Sat, 13 Jun 2026 01:30:00 GMT Banking Auto loans: steady compounding at ₹9.3L Cr (+13.9% YoY), 171.6 lakh active accounts. Covers premiumisation driving ATS growth, best-in-class PAR improvement and lender share trends. https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-credit-cards.html https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-credit-cards.html Sat, 13 Jun 2026 01:30:00 GMT Banking Credit card portfolio trends, spends growth, revolve rates and delinquency patterns across India's top card issuers. Data sourced from CRIF High Mark through FY2026. https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-two-wheeler-loans.html https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-two-wheeler-loans.html Sat, 13 Jun 2026 01:30:00 GMT Banking Two-wheeler financing trends: origination volumes, average ticket size, lender concentration, and portfolio quality metrics from CRIF High Mark through FY2026. https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-cd-loans.html https://curious-investor-research.vercel.app/reports/2026/retail-lending/retail-cd-loans.html Sat, 13 Jun 2026 01:30:00 GMT Banking Consumer durable (CD) loan market: ticket-size compression, fintech lender share, BNPL dynamics and delinquency profile from CRIF High Mark through FY2026. https://curious-investor-research.vercel.app/reports/2026/coherent-deep-dive.html https://curious-investor-research.vercel.app/reports/2026/coherent-deep-dive.html Sat, 13 Jun 2026 01:30:00 GMT US Markets Institutional research on Coherent Corp: the world's only 6-inch indium-phosphide lines, a $2B NVIDIA strategic investment anchoring multi-year supply, and a deep-dive into the 1.6T transceiver ramp, valuation scenarios, and competitive moat. https://curious-investor-research.vercel.app/reports/2026/lumentum-part5-india-angle.html https://curious-investor-research.vercel.app/reports/2026/lumentum-part5-india-angle.html Sat, 13 Jun 2026 01:30:00 GMT US Markets Part 5 of the Lumentum series: the full cost stack of owning US stocks from India — LRS, TCS, currency, taxes — and what a sensible entry strategy for LITE looks like for an Indian investor. https://curious-investor-research.vercel.app/reports/2026/lumentum-part4-valuation.html https://curious-investor-research.vercel.app/reports/2026/lumentum-part4-valuation.html Fri, 12 Jun 2026 01:30:00 GMT US Markets Part 4 of the Lumentum series: valuation in historical context, a DCF decoded assumption by assumption, bull/base/bear scenarios, and what LITE's drawdown history says about position sizing. https://curious-investor-research.vercel.app/reports/2026/lumentum-part3-nvidia-bet.html https://curious-investor-research.vercel.app/reports/2026/lumentum-part3-nvidia-bet.html Thu, 11 Jun 2026 01:30:00 GMT US Markets Part 3 of the Lumentum series: the day Jensen Huang wrote $2B cheques to both Lumentum and Coherent — the AI bottleneck cascade, the optical market explosion, the anatomy of the NVIDIA deal, and the three growth engines it funds. https://curious-investor-research.vercel.app/reports/2026/lumentum-part2-financial-story.html https://curious-investor-research.vercel.app/reports/2026/lumentum-part2-financial-story.html Wed, 10 Jun 2026 01:30:00 GMT US Markets Part 2 of the Lumentum series: the revenue cycle from $308M trough quarters to an $808M print, margin recovery, GAAP vs non-GAAP reality, and where the operating leverage actually comes from. https://curious-investor-research.vercel.app/reports/2026/microfinance-credit-pulse-dashboard.html https://curious-investor-research.vercel.app/reports/2026/microfinance-credit-pulse-dashboard.html Wed, 10 Jun 2026 01:30:00 GMT Sector Analysis Interactive dashboard built from 32 quarterly CRIF High Mark MicroLend reports: the sector's quadrupling to ₹4.39 lakh crore GLP, the 25% drawdown over eight contracting quarters, PAR and write-off trends, borrower leverage, and the March 2026 turn back to growth. https://curious-investor-research.vercel.app/reports/2026/lumentum-part1-what-lumentum-does.html https://curious-investor-research.vercel.app/reports/2026/lumentum-part1-what-lumentum-does.html Tue, 09 Jun 2026 01:30:00 GMT US Markets Part 1 of the Lumentum series: why light beats electricity for moving AI data, where LITE sits in the optical value chain, the NVIDIA $2B cheque, and the competitive moat scorecard. https://curious-investor-research.vercel.app/notes/2026/indusind-crisis-signal.html https://curious-investor-research.vercel.app/notes/2026/indusind-crisis-signal.html Tue, 09 Jun 2026 01:30:00 GMT Banking A forensic read of RBI's ATM & Card Statistics. IndusInd was the only top-10 bank with a shrinking credit-card base in FY26 — and its −42% drop in online card spend was a customer-confidence signal hiding in a public PDF. https://curious-investor-research.vercel.app/reports/2026/india-payments-digital-crossover.html https://curious-investor-research.vercel.app/reports/2026/india-payments-digital-crossover.html Mon, 08 Jun 2026 01:30:00 GMT Payments In September 2025, digital payments crossed ATM cash withdrawals in India for the first time. A deep dive into three RBI releases: the credit-card land grab, the quiet death of the debit card, and the managed sunset of the ATM network. https://curiousinvestinginsights.substack.com/p/the-microfinance-crisis-india-didnt https://curiousinvestinginsights.substack.com/p/the-microfinance-crisis-india-didnt Mon, 08 Jun 2026 01:30:00 GMT Sector Analysis What the deterioration in microfinance asset quality means for lenders, borrowers and the small-finance-bank model. https://curious-investor-research.vercel.app/reports/2026/spacex-ipo-deep-dive.html https://curious-investor-research.vercel.app/reports/2026/spacex-ipo-deep-dive.html Sun, 07 Jun 2026 01:30:00 GMT US Markets Institutional-style IPO research on SpaceX (SPCX): dominant launch economics and Starlink's 63% EBITDA margins, against a cash-furnace AI segment, 82% Musk voting control, and a price 35–40% above intrinsic value. Verdict: 5.5/10 — avoid at $135, buy on correction. https://curious-investor-research.vercel.app/reports/2026/india-payments-fy26-dashboard.html https://curious-investor-research.vercel.app/reports/2026/india-payments-fy26-dashboard.html Fri, 05 Jun 2026 01:30:00 GMT Payments Interactive dashboard built from RBI ATM & Card Statistics (Mar 2025 / Sep 2025 / Mar 2026): digital-vs-cash crossover, bank-wise credit-card heatmap, UPI growth, debit-card dormancy and ATM network trends. https://curiousinvestinginsights.substack.com/p/weeks-price-and-volume-action-29 https://curiousinvestinginsights.substack.com/p/weeks-price-and-volume-action-29 Fri, 29 May 2026 01:30:00 GMT Capital Markets Weekly read of price and volume across Indian markets: what moved, on what volume, and what it suggests. https://curious-investor-research.vercel.app/notes/2026/ai-semis-morning-note-26may2026.html https://curious-investor-research.vercel.app/notes/2026/ai-semis-morning-note-26may2026.html Tue, 26 May 2026 01:30:00 GMT US Markets First trading day after Memorial Day: NVDA's monster Q1 FY2027 ($81.6B revenue, +85% YoY) and why the post-earnings dip is a buy; QCOM's data-center re-rate, MU's HBM scarcity, and three trade ideas with levels.