NIACL - IntraDay Trade Analysis with Live Signals

Last Updated Time : 20 Dec 25, 07:04 am

IntraDay Trade Rating: 2.9

📊 Analysis: NIACL is trading at ₹156, below both 50 DMA (₹175) and 200 DMA (₹184), showing bearish bias. RSI at 34.8 indicates near-oversold conditions, while MACD at -4.59 confirms weak momentum. Current volume (2.9L) is lower than average (5.5L), suggesting limited intraday participation. Quarterly PAT dropped sharply (₹63.2 Cr. vs ₹391 Cr.), weakening sentiment.

💹 Optimal Buy Price: ₹154–₹157 (only for speculative rebound trades).

🎯 Profit-Taking Exit Levels: ₹162 (short target), ₹168 (extended target if rebound sustains).

🛡️ Stop-Loss / Loss Protection: ₹150 (below intraday support).

⏱️ If Already Holding: Exit near ₹162–₹168 if rebound occurs. If RSI fails to recover above 40 or MACD stays negative, consider early exit. A break below ₹150 should trigger stop-loss.

Positive

• 📈 Book Value ₹169 is higher than current price, offering margin of safety.
• 💰 Dividend Yield 1.17% provides shareholder return.
• 📊 PEG Ratio 0.28 suggests fair valuation relative to growth.
• 🔥 Debt-to-Equity 0.00 indicates strong balance sheet.

Limitation

• ⚠️ Current price below DMA 50 & 200 shows weak trend.
• 📉 Quarterly PAT decline (-10.9%) reflects earnings pressure.
• 📊 Low ROCE 3.72% and ROE 3.54% show poor efficiency.
• 📉 Volume below average reduces intraday trading strength.

Company Negative News

• 📉 PAT dropped sharply from ₹391 Cr. to ₹63.2 Cr., weakening investor sentiment.

Company Positive News

• 📈 Stable institutional holdings (no change in FII/DII), showing neutral stance.

Industry

• 🌐 Insurance sector trades at PE 42.8, higher than NIACL’s PE (22.4), suggesting undervaluation.
• 📊 Sector outlook stable, but NIACL underperforms peers in profitability.

Conclusion

⚖️ NIACL is a weak intraday candidate. Oversold RSI may trigger minor rebound trades, but low volume, poor profitability, and bearish technicals suggest caution. Suitable only for speculative scalps with strict stop-loss discipline.

Would you like me to extend this into a basket overlay with other insurance sector peers (like SBI Life, ICICI Lombard, HDFC Life) so you can benchmark NIACL’s intraday setup against the broader industry?