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*Must Buy SBI. It is a Gem of a share but only for long Term. May cross 250 in 6-12 Month*.

1) Available at very *deep discount* presently

2) The *cost of funds are lowest* in the industry due to huge casa balance and various govt funds

3) *General Insurance Business* will also bring growth. Bank may list this business soon

4) *SBI Cards business* is showing good growth

5) State Bank of India is planning to monetise its flagship digital *banking platform YONO* by allowing smaller lenders such as small finance banks and regional rural banks to use it, chairman Rajnish Kumar said. SBI plans to hive off YONO into a subsidiary and will share the underlying technology with other banks via a plug-and-play model.