Central Bank Of India

•

centralbank.bank.inBSE: 532885NSE: CENTRALBK

Market Cap₹ 27,679 Cr.

Current Price

High / Low₹ 41 / 29

Stock P/E6.1

Book Value₹ 41

Price to Book0.81

Dividend Yield3.92 %

ROCE8.3 %

ROE13.2 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail Banking Operations: 44.3% • Treasury Operations: 32.3% • Wholesale Banking Operations: 23.4%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 17.9%
Company has consistently been profitable over the last 5 years
Strong provisioning - provision coverage ratio of 95.9%
Healthy loan book growth of 19.3% with stable asset quality
Strong low-cost deposit base - CASA ratio of 47.4%

CONS

A large part of profit comes from other income (143.1% of PBT)
Promoter holding has decreased over last 2 years: -11.9pp
Weak return ratios for a lender: 3Y avg ROA 0.8%
Effective tax rate is unusually low at 0.0% - earnings may be flattered
Operating margins have contracted to 23.8% from 27.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Public

Part ofNIFTY TOTAL MKT BSE Enhanced Value Index NIFTY PSU BANK NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	SBIN	1001.60	10.72	924538.66	1.73	24579.04	13.65	136240.49	8.36	12.16	52.34
2.	UNIONBANK	183.40	6.78	140000.33	2.73	5368.17	29.77	27427.10	1.21	14.57	69.42
3.	PNB	115.60	6.02	132858.42	2.60	5339.15	191.40	33589.17	3.12	13.26	75.40
4.	BANKBARODA	234.90	6.69	121475.30	3.62	1572.59	-53.08	35114.52	6.84	11.20	33.10
5.	INDIANB	855.00	9.01	115165.42	2.13	3299.48	48.73	18095.14	11.11	16.28	67.14
6.	CANBK	124.20	5.67	112657.49	3.38	4864.08	61.96	32957.16	4.55	14.46	68.47
7.	MAHABANK	84.45	8.62	64955.18	2.61	2020.54	26.83	8034.65	13.90	16.53	68.61
8.	BANKINDIA	140.70	5.44	64056.04	3.30	3138.46	77.92	20096.90	8.83	10.97	73.18
9.	IOB	33.01	10.67	63566.00	0.00	1659.24	49.25	8777.57	18.82	11.31	54.56
10.	UCOBANK	23.99	12.19	30082.40	1.83	652.43	24.09	6744.59	15.10	11.00	54.71
11.	CENTRALBK	30.58	6.06	27679.19	3.92	1328.95	5.43	9725.90	12.79	8.27	67.83
12.	PSB	22.67	11.62	16085.69	1.72	331.51	23.16	3213.37	10.40	9.07	71.38

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	7,259	7,377	7,842	8,371	8,367	8,235	8,542	8,653	8,623	8,777	9,070	9,698	9,726
Interest Expended	4,062	4,338	4,672	4,811	4,801	4,807	4,984	5,238	5,222	5,476	5,552	5,677	5,794
Net Interest Income	3,197	3,039	3,170	3,560	3,566	3,429	3,558	3,415	3,402	3,301	3,518	4,021	3,932
	959	1,062	1,329	1,363	1,166	1,649	1,232	1,723	1,787	1,507	1,937	1,161	988
Total Income	0	0	0	0	9,533	9,884	9,774	10,476	10,410	10,284	11,007	10,859	10,714
Operating Expenses	0	0	0	0	27,264	29,018	28,140	32,211	28,730	30,122	31,583	30,682	2,724
Operating Profit	0	0	0	0	20,055	21,760	19,767	20,169	23,154	17,954	22,969	21,144	2,196
Provisions & Contingencies	0	0	0	0	11,934	5,983	5,590	8,463	5,225	3,162	7,046	5,050	405
Profit before Tax	1,038	567	1,122	1,363	812	1,578	1,418	1,171	1,878	1,479	1,592	1,609	1,791
Tax %	58.77%	-7.31%	35.16%	40.42%	-9.22%	41.65%	31.71%	10.98%	32.88%	17.55%	20.56%	54.11%	25.81%
Net Profit	0	0	0	0	887	921	968	1,042	1,260	1,220	1,265	739	1,329
EPS	1	1	1	94	1	1	1	1	1	1	1	1	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	30,849	33,797	36,168	—
Interest Expended	18,166	17,603	15,935	16,005	14,543	13,361	13,905	17,882	19,830	21,926	22,498
Net Interest Income	-18,166	-17,603	-15,935	-16,005	-14,543	-13,361	-13,905	12,967	13,968	14,242	—
	2,871	2,620	2,416	3,622	3,111	2,967	4,084	4,713	5,658	6,415	5,594
Total Income	0	0	0	0	0	0	0	35,562	39,456	42,583	42,864
	0	0	0	0	0	0	0	10,275	11,451	12,050	—
Operating Profit	-18,166	-17,603	-15,935	-16,005	-14,543	-13,361	-13,905	7,405	8,175	8,607	—
	6,767	10,393	11,474	5,325	5,872	3,482	4,208	4,829	4,357	4,124	—
Profit before Tax	-3,532	-7,887	-8,156	-915	-1,315	1,737	2,672	2,576	3,818	4,484	6,472
Tax %	-0.00%	-0.00%	-0.00%	-0.00%	-0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	29.67%
Net Profit	-2,442	-5,096	-5,628	-1,127	-878	1,065	1,609	2,576	3,818	4,484	4,552
EPS	-13	-27	-20	-3	-2	1	2	3	4	5	—

COMPOUNDED SALES GROWTH

10 Years:: 3%
5 Years:: 10%
3 Years:: 12%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: 39%

STOCK PRICE CAGR

10 Years:: -12%
5 Years:: 8%
3 Years:: -9%
1 Year:: -15%

RETURN ON EQUITY

10 Years:: -5%
5 Years:: 9%
3 Years:: 12%
Last Year:: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	1,902	2,618	4,047	5,710	5,876	8,681	8,681	8,681	9,051	9,051
	15,626	15,592	15,136	15,827	15,821	18,868	20,536	23,693	27,830	29,950
	2,97,309	2,95,354	3,00,311	3,14,201	3,30,328	3,43,165	3,59,775	3,85,541	4,13,271	4,68,444
	9,623	6,026	5,640	6,076	5,760	7,663	8,334	20,013	21,820	31,854
Other Liabilities & Provisions	9,516	7,719	6,494	15,292	7,339	8,857	9,687	9,767	8,400	11,688
Total Liabilities	0	3,27,349	3,31,885	3,57,151	3,69,974	3,87,292	4,07,080	45	48	55
ASSETS	-	-	-	-	-	-	-	-	-	-
	75,087	36,000	20,779	30,060	32,188	38,034	27,433	22,955	22,931	18,953
Balances with Banks & Money at Call	3,708	3,262	10,518	6,045	6,766	15,063	16,669	14,653	13,266	18,882
	0	1,02,769	1,25,453	1,42,526	1,48,518	1,40,775	1,36,569	1,44,010	1,41,652	1,57,607
	1,40,464	1,57,480	1,47,425	1,51,952	1,57,389	1,69,042	2,03,893	2,44,399	2,83,505	3,38,209
	4,300	4,353	4,320	4,346	5,142	4,964	4,786	5,345	5,214	5,202
	18,859	23,485	23,389	22,222	19,972	19,415	17,730	16,409	13,888	12,227
Total Assets	0	3,27,349	3,31,885	3,57,151	3,69,974	3,87,292	4,07,080	45	48	55

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	61,871	-44,376	-14,510	1,726	-2,003	14,277	-8,786	-5,910	-2,460	2,804
Cash from Investing	-189	-310	-251	-315	-202	-133	-209	-584	-451	-454
Cash from Financing	1,543	5,154	6,796	3,396	5,055	0	0	0	1,500	-713
	63,225	-39,533	-7,965	4,807	2,849	14,143	-8,995	-6,494	-1,410	1,637

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	-12.93	-19.63	-13.88	-2.20	-1.70	1.24	1.93	3.07	4.35	5.00
Book Value (₹)	75.30	57.60	39.80	32.53	30.47	27.46	29.45	32.59	36.41	38.82
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.19	1.20
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.04%	3.03%	2.67%
ROA %	-1.59%	-3.11%	-1.71%	-0.33%	-0.24%	0.28%	0.41%	0.60%	0.82%	0.87%
ROE %	-16.84%	-34.66%	-36.09%	-6.50%	-4.82%	5.10%	6.52%	9.57%	12.47%	13.17%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	58.12%	58.35%	58.33%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.18%	2.67%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.56%	0.50%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	96.54%	95.97%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	49.97%	48.90%	47.30%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.05%	0.05%	0.07%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
GROWTH & VALUATION
Net Profit Growth %	-73.66%	-108.67%	-10.44%	79.97%	22.07%	221.17%	51.18%	60.07%	48.21%	17.44%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	10.65%	11.74%	6.62%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	19.45x	9.82x	6.29x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.83x	1.17x	0.81x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.44%	3.82%

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	93.08	93.08	93.08	89.27	89.27	89.27	89.27	89.27	81.19
	0.16	0.33	0.44	1.23	0.97	0.88	0.85	0.75	0.93
	2.81	2.81	2.82	5.79	5.06	4.86	4.82	4.81	10.94
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	3.94	3.76	3.65	3.66	4.70	4.99	5.05	5.17	6.94

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-10

General Updates

2026-09-10 - Central Bank of India has informed the Exchange about Press release on Launch of Bharat Connect for Business in partnership with NPCI Bharat Bill Pay Ltd. (NBBL).

2026-09-09

General Updates

2026-09-09 - Central Bank of India has informed the Exchange about General Updates regarding Notice of Bank strike

2026-09-04

Appointment

2026-09-04 - Central Bank of India has informed the Exchange regarding Appointment of Mr Jai Shankar Prasad as General Manager of the company w.e.f. September 04, 2026.

2026-08-29

Change in Management

2026-08-29 - Central Bank of India has informed the Exchange about voluntary retirement of Shri Umesh Kumar Singh

2026-08-27

General Updates

2026-08-27 - Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 27th August, 2026.

2026-08-20

General Updates

2026-08-20 - Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 20th August, 2026

2026-08-04

Credit Rating- Revision

2026-08-04 - Central Bank of India has informed the Exchange about Credit Rating- Revision

2026-08-01

Appointment

2026-08-01 - Central Bank of India has informed the Exchange regarding Appointment of Mr Partha Sarathi K Naidu as General Manager of the company w.e.f. August 01, 2026.

2026-08-01

Shareholders meeting

2026-08-01 - Central Bank of India has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 31, 2026. Further, the company has informed the Exchange regarding voting results.

News

Recent coverage and analyst commentary for CENTRALBK

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Name

SBIN

1001.60

10.72

924538.66

1.73

24579.04

13.65

136240.49

8.36

12.16

52.34

UNIONBANK

183.40

6.78

140000.33

2.73

5368.17

29.77

27427.10

1.21

14.57

69.42

PNB

115.60

6.02

132858.42

2.60

5339.15

191.40

33589.17

3.12

13.26

75.40

BANKBARODA

234.90

6.69

121475.30

3.62

1572.59

-53.08

35114.52

6.84

11.20

33.10

INDIANB

855.00

9.01

115165.42

2.13

3299.48

48.73

18095.14

11.11

16.28

67.14

CANBK

124.20

5.67

112657.49

3.38

4864.08

61.96

32957.16

4.55

14.46

68.47

MAHABANK

84.45

8.62

64955.18

2.61

2020.54

26.83

8034.65

13.90

16.53

68.61

BANKINDIA

140.70

5.44

64056.04

3.30

3138.46

77.92

20096.90

8.83

10.97

73.18

IOB

33.01

10.67

63566.00

0.00

1659.24

49.25

8777.57

18.82

11.31

54.56

UCOBANK

23.99

12.19

30082.40

1.83

652.43

24.09

6744.59

15.10

11.00

54.71

CENTRALBK

30.58

6.06

27679.19

3.92

1328.95

5.43

9725.90

12.79

8.27

67.83

PSB

22.67

11.62

16085.69

1.72

331.51

23.16

3213.37

10.40

9.07

71.38

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

7,259

7,377

7,842

8,371

8,367

8,235

8,542

8,653

8,623

8,777

9,070

9,698

9,726

Interest Expended

4,062

4,338

4,672

4,811

4,801

4,807

4,984

5,238

5,222

5,476

5,552

5,677

5,794

Net Interest Income

3,197

3,039

3,170

3,560

3,566

3,429

3,558

3,415

3,402

3,301

3,518

4,021

3,932

959

1,062

1,329

1,363

1,166

1,649

1,232

1,723

1,787

1,507

1,937

1,161

988

Total Income

9,533

9,884

9,774

10,476

10,410

10,284

11,007

10,859

10,714

Operating Expenses

27,264

29,018

28,140

32,211

28,730

30,122

31,583

30,682

2,724

Operating Profit

20,055

21,760

19,767

20,169

23,154

17,954

22,969

21,144

2,196

Provisions & Contingencies

11,934

5,983

5,590

8,463

5,225

3,162

7,046

5,050

405

Profit before Tax

1,038

567

1,122

1,363

812

1,578

1,418

1,171

1,878

1,479

1,592

1,609

1,791

Tax %

58.77%

-7.31%

35.16%

40.42%

-9.22%

41.65%

31.71%

10.98%

32.88%

17.55%

20.56%

54.11%

25.81%

Net Profit

887

921

968

1,042

1,260

1,220

1,265

739

1,329

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

30,849

33,797

36,168

—

Interest Expended

18,166

17,603

15,935

16,005

14,543

13,361

13,905

17,882

19,830

21,926

22,498

Net Interest Income

-18,166

-17,603

-15,935

-16,005

-14,543

-13,361

-13,905

12,967

13,968

14,242

—

2,871

2,620

2,416

3,622

3,111

2,967

4,084

4,713

5,658

6,415

5,594

Total Income

35,562

39,456

42,583

42,864

10,275

11,451

12,050

—

Operating Profit

-18,166

-17,603

-15,935

-16,005

-14,543

-13,361

-13,905

7,405

8,175

8,607

—

6,767

10,393

11,474

5,325

5,872

3,482

4,208

4,829

4,357

4,124

—

Profit before Tax

-3,532

-7,887

-8,156

-915

-1,315

1,737

2,672

2,576

3,818

4,484

6,472

Tax %

-0.00%

0.00%

29.67%

Net Profit

-2,442

-5,096

-5,628

-1,127

-878

1,065

1,609

2,576

3,818

4,484

4,552

EPS

-13

-27

-20

-3

-2

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

1,902

2,618

4,047

5,710

5,876

8,681

9,051

15,626

15,592

15,136

15,827

15,821

18,868

20,536

23,693

27,830

29,950

2,97,309

2,95,354

3,00,311

3,14,201

3,30,328

3,43,165

3,59,775

3,85,541

4,13,271

4,68,444

9,623

6,026

5,640

6,076

5,760

7,663

8,334

20,013

21,820

31,854

Other Liabilities & Provisions

9,516

7,719

6,494

15,292

7,339

8,857

9,687

9,767

8,400

11,688

Total Liabilities

3,27,349

3,31,885

3,57,151

3,69,974

3,87,292

4,07,080

ASSETS

75,087

36,000

20,779

30,060

32,188

38,034

27,433

22,955

22,931

18,953

Balances with Banks & Money at Call

3,708

3,262

10,518

6,045

6,766

15,063

16,669

14,653

13,266

18,882

1,02,769

1,25,453

1,42,526

1,48,518

1,40,775

1,36,569

1,44,010

1,41,652

1,57,607

1,40,464

1,57,480

1,47,425

1,51,952

1,57,389

1,69,042

2,03,893

2,44,399

2,83,505

3,38,209

4,300

4,353

4,320

4,346

5,142

4,964

4,786

5,345

5,214

5,202

18,859

23,485

23,389

22,222

19,972

19,415

17,730

16,409

13,888

12,227

Total Assets

3,27,349

3,31,885

3,57,151

3,69,974

3,87,292

4,07,080

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

61,871

-44,376

-14,510

1,726

-2,003

14,277

-8,786

-5,910

-2,460

2,804

Cash from Investing

-189

-310

-251

-315

-202

-133

-209

-584

-451

-454

Cash from Financing

1,543

5,154

6,796

3,396

5,055

1,500

-713

63,225

-39,533

-7,965

4,807

2,849

14,143

-8,995

-6,494

-1,410

1,637

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

-12.93

-19.63

-13.88

-2.20

-1.70

1.24

1.93

3.07

4.35

5.00

Book Value (₹)

75.30

57.60

39.80

32.53

30.47

27.46

29.45

32.59

36.41

38.82

Dividend per Share (₹)

0.00

0.19

1.20

PROFITABILITY

Net Interest Margin %

0.00%

3.04%

3.03%

2.67%

ROA %

-1.59%

-3.11%

-1.71%

-0.33%

-0.24%

0.28%

0.41%

0.60%

0.82%

0.87%

ROE %

-16.84%

-34.66%

-36.09%

-6.50%

-4.82%

5.10%

6.52%

9.57%

12.47%

13.17%

0.00%

58.12%

58.35%

58.33%

ASSET QUALITY

Gross NPA %

0.00%

3.18%

2.67%

Net NPA %

0.00%

0.56%

0.50%

Provision Coverage %

0.00%

96.54%

95.97%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

49.97%

48.90%

47.30%

Credit-Deposit Ratio %

0.00%

0.05%

0.07%

0.00%

GROWTH & VALUATION

Net Profit Growth %

-73.66%

-108.67%

-10.44%

79.97%

22.07%

221.17%

51.18%

60.07%

48.21%

17.44%

Book Value Growth %

0.00%

10.65%

11.74%

6.62%

P/E (x)

0.00x

19.45x

9.82x

6.29x

P/B (x)

0.00x

1.83x

1.17x

0.81x

0.00%

0.44%

3.82%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

93.08

89.27

81.19

0.16

0.33

0.44

1.23

0.97

0.88

0.85

0.75

0.93

2.81

2.82

5.79

5.06

4.86

4.82

4.81

10.94

Government

0.00

3.94

3.76

3.65

3.66

4.70

4.99

5.05

5.17

6.94

Central Bank Of India

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Central Bank Of India

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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