Central Bank Of India

•

centralbank.bank.inBSE: 532885NSE: CENTRALBK

Market Cap₹ 27,833 Cr.

Current Price

High / Low₹ 41 / 29

Stock P/E6.2

Book Value₹ 40

Price to Book0.82

Dividend Yield3.90 %

ROCE11.4 %

ROE13.0 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail Banking Operations: 44.1% • Treasury Operations: 32.4% • Wholesale Banking Operations: 23.5%

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%
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%
Institutional investors have been accumulating - FII+DII up 5.8pp
Stock looks reasonably valued - P/E of 6.2 is below its historical median

CONS

A large part of profit comes from other income (98.2% of PBT)
Promoter holding has decreased over last 2 years: -11.9pp
Weak return ratios for a lender: 3Y avg ROA 0.8%
Operating margins have contracted to 23.5% 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	997.00	10.68	920292.57	1.74	24579.04	13.65	136240.49	8.36	12.16	52.34
2.	UNIONBANK	178.00	6.58	135878.18	2.81	5368.17	29.77	27427.10	1.21	14.57	69.42
3.	PNB	116.65	6.07	134065.18	2.57	5339.15	191.40	33589.17	3.12	13.26	75.40
4.	BANKBARODA	237.80	6.77	122974.99	3.57	1572.59	-53.08	35114.52	6.84	11.20	33.10
5.	INDIANB	852.90	8.99	114882.56	2.14	3299.48	48.73	18095.14	11.11	16.28	67.14
6.	CANBK	123.90	5.66	112385.37	3.39	4864.08	61.96	32957.16	4.55	14.46	68.47
7.	MAHABANK	84.17	8.59	64739.82	2.61	2020.54	26.83	8034.65	13.90	16.53	68.61
8.	IOB	33.13	10.71	63797.08	0.00	1659.24	49.25	8777.57	18.82	11.31	54.56
9.	BANKINDIA	139.80	5.40	63646.30	3.33	3138.46	77.92	20096.90	8.83	10.97	73.18
10.	UCOBANK	23.98	12.18	30069.86	1.83	652.43	24.09	6744.59	15.10	11.00	54.71
11.	CENTRALBK	30.75	6.10	27833.06	3.90	1328.95	5.43	9725.90	12.79	8.27	67.83
12.	PSB	22.78	11.68	16163.74	1.71	331.51	23.16	3213.37	10.40	9.07	71.38

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	7,225	7,351	7,809	8,337	8,335	8,203	8,509	8,619	8,589	8,743	9,033	9,661	9,691
Interest Expended	4,049	4,323	4,657	4,796	4,787	4,792	4,969	5,220	5,205	5,460	5,531	5,659	5,777
Net Interest Income	3,176	3,028	3,152	3,541	3,548	3,410	3,540	3,399	3,383	3,283	3,502	4,002	3,914
	959	1,061	1,330	1,362	1,165	1,647	1,229	1,714	1,786	1,507	1,935	1,150	987
Total Income	0	0	0	0	9,533	9,884	9,774	10,476	10,410	10,284	11,007	10,859	10,678
Operating Expenses	2,297	2,559	2,551	2,839	2,720	2,892	2,806	3,110	2,865	3,004	3,145	3,056	2,715
Operating Profit	1,838	1,530	1,931	2,063	1,993	2,165	1,963	2,003	2,304	1,786	2,292	2,096	2,186
Provisions & Contingencies	813	967	822	707	1,191	598	557	844	521	314	704	504	402
Profit before Tax	1,025	563	1,109	1,356	802	1,567	1,407	1,158	1,783	1,471	1,588	1,592	1,784
Tax %	59.18%	-7.52%	35.27%	40.47%	-9.68%	41.74%	31.83%	10.78%	34.45%	17.57%	20.50%	54.49%	25.82%
Net Profit	418	605	718	807	880	913	959	1,034	1,169	1,213	1,263	724	1,324
EPS	0	1	1	1	1	1	1	1	1	1	1	1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	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	30,722	33,666	36,026	—
Interest Expended	18,087	17,519	15,866	15,934	14,485	13,315	13,855	17,826	19,769	21,855	22,427
Net Interest Income	-18,087	-17,519	-15,866	-15,934	-14,485	-13,315	-13,855	12,896	13,897	14,170	—
	2,876	2,622	2,413	3,637	3,116	2,968	4,084	4,711	5,642	6,316	5,579
Total Income	0	0	0	0	0	0	0	35,434	39,308	42,341	42,828
	0	0	0	0	0	0	0	10,245	11,415	12,008	—
Operating Profit	-18,087	-17,519	-15,866	-15,934	-14,485	-13,315	-13,855	7,363	8,124	8,478	—
	6,767	10,393	11,474	5,308	5,872	3,482	4,208	3,309	3,190	2,044	—
Profit before Tax	-3,529	-7,896	-8,170	-909	-1,324	1,717	2,645	4,053	4,934	6,434	6,436
Tax %	-0.00%	-0.00%	-0.00%	-0.00%	-0.00%	0.00%	0.00%	37.11%	23.29%	32.10%	29.71%
Net Profit	-2,439	-5,105	-5,641	-1,121	-888	1,045	1,582	2,549	3,785	4,369	4,524
EPS	-13	-26	-20	-2	-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:: 40%

STOCK PRICE CAGR

10 Years:: -12%
5 Years:: 8%
3 Years:: -6%
1 Year:: -15%

RETURN ON EQUITY

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

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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
	15,366	15,367	14,888	15,720	15,830	18,846	20,428	23,467	27,455	29,419
	2,96,671	2,94,839	2,99,855	3,13,763	3,29,973	3,42,692	3,59,296	3,85,011	4,12,697	4,67,922
	9,282	5,706	5,239	5,787	5,469	7,474	8,119	19,806	21,592	31,481
Other Liabilities & Provisions	9,497	7,695	6,476	15,269	7,268	8,729	9,641	9,708	8,333	11,606
Total Liabilities	0	3,26,225	3,30,718	3,56,249	3,69,215	3,86,423	4,06,165	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	3,680	3,229	10,421	6,017	6,763	15,061	16,667	14,653	13,266	18,882
	0	1,02,632	1,25,298	1,42,518	1,48,582	1,40,787	1,36,583	1,43,923	1,41,435	1,57,320
	1,39,399	1,56,542	1,46,525	1,51,101	1,56,579	1,68,174	2,02,984	2,43,406	2,82,420	3,36,997
	4,290	4,343	4,310	4,336	5,132	4,955	4,776	5,336	5,204	5,125
	18,851	23,480	23,384	22,217	19,970	19,413	17,722	16,400	13,872	12,203
Total Assets	0	3,26,225	3,30,718	3,56,249	3,69,215	3,86,423	4,06,165	45	48	55

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	61,847	-44,396	-14,588	1,771	-1,987	14,268	-8,794	-5,916	-2,469	2,786
Cash from Investing	-176	-300	-245	-297	-194	-125	-200	-576	-442	-436
Cash from Financing	1,554	5,158	6,805	3,403	5,055	0	0	0	1,500	-713
	63,225	-39,538	-8,028	4,877	2,874	14,143	-8,995	-6,492	-1,411	1,638

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	-12.82	-19.50	-13.94	-1.96	-1.51	1.20	1.82	2.94	4.18	4.83
Book Value (₹)	73.93	56.74	39.19	32.34	30.49	27.43	29.33	32.33	36.00	38.24
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%	3.03%	3.02%	2.66%
ROA %	-1.60%	-3.13%	-1.72%	-0.33%	-0.24%	0.28%	0.40%	0.60%	0.82%	0.85%
ROE %	-17.15%	-35.31%	-36.73%	-6.53%	-4.88%	5.01%	6.42%	9.53%	12.48%	13.00%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	58.18%	58.42%	58.61%
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%	50.05%	48.97%	47.36%
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%	15.08%	17.02%	17.91%
GROWTH & VALUATION
Net Profit Growth %	-71.99%	-109.29%	-10.51%	80.12%	20.85%	217.72%	51.43%	61.11%	48.50%	15.41%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	10.23%	11.36%	6.22%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	20.36x	10.21x	6.52x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.85x	1.19x	0.82x
	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

997.00

10.68

920292.57

1.74

24579.04

13.65

136240.49

8.36

12.16

52.34

UNIONBANK

178.00

6.58

135878.18

2.81

5368.17

29.77

27427.10

1.21

14.57

69.42

PNB

116.65

6.07

134065.18

2.57

5339.15

191.40

33589.17

3.12

13.26

75.40

BANKBARODA

237.80

6.77

122974.99

3.57

1572.59

-53.08

35114.52

6.84

11.20

33.10

INDIANB

852.90

8.99

114882.56

2.14

3299.48

48.73

18095.14

11.11

16.28

67.14

CANBK

123.90

5.66

112385.37

3.39

4864.08

61.96

32957.16

4.55

14.46

68.47

MAHABANK

84.17

8.59

64739.82

2.61

2020.54

26.83

8034.65

13.90

16.53

68.61

IOB

33.13

10.71

63797.08

0.00

1659.24

49.25

8777.57

18.82

11.31

54.56

BANKINDIA

139.80

5.40

63646.30

3.33

3138.46

77.92

20096.90

8.83

10.97

73.18

UCOBANK

23.98

12.18

30069.86

1.83

652.43

24.09

6744.59

15.10

11.00

54.71

CENTRALBK

30.75

6.10

27833.06

3.90

1328.95

5.43

9725.90

12.79

8.27

67.83

PSB

22.78

11.68

16163.74

1.71

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

7,225

7,351

7,809

8,337

8,335

8,203

8,509

8,619

8,589

8,743

9,033

9,661

9,691

Interest Expended

4,049

4,323

4,657

4,796

4,787

4,792

4,969

5,220

5,205

5,460

5,531

5,659

5,777

Net Interest Income

3,176

3,028

3,152

3,541

3,548

3,410

3,540

3,399

3,383

3,283

3,502

4,002

3,914

959

1,061

1,330

1,362

1,165

1,647

1,229

1,714

1,786

1,507

1,935

1,150

987

Total Income

9,533

9,884

9,774

10,476

10,410

10,284

11,007

10,859

10,678

Operating Expenses

2,297

2,559

2,551

2,839

2,720

2,892

2,806

3,110

2,865

3,004

3,145

3,056

2,715

Operating Profit

1,838

1,530

1,931

2,063

1,993

2,165

1,963

2,003

2,304

1,786

2,292

2,096

2,186

Provisions & Contingencies

813

967

822

707

1,191

598

557

844

521

314

704

504

402

Profit before Tax

1,025

563

1,109

1,356

802

1,567

1,407

1,158

1,783

1,471

1,588

1,592

1,784

Tax %

59.18%

-7.52%

35.27%

40.47%

-9.68%

41.74%

31.83%

10.78%

34.45%

17.57%

20.50%

54.49%

25.82%

Net Profit

418

605

718

807

880

913

959

1,034

1,169

1,213

1,263

724

1,324

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

30,722

33,666

36,026

—

Interest Expended

18,087

17,519

15,866

15,934

14,485

13,315

13,855

17,826

19,769

21,855

22,427

Net Interest Income

-18,087

-17,519

-15,866

-15,934

-14,485

-13,315

-13,855

12,896

13,897

14,170

—

2,876

2,622

2,413

3,637

3,116

2,968

4,084

4,711

5,642

6,316

5,579

Total Income

35,434

39,308

42,341

42,828

10,245

11,415

12,008

—

Operating Profit

-18,087

-17,519

-15,866

-15,934

-14,485

-13,315

-13,855

7,363

8,124

8,478

—

6,767

10,393

11,474

5,308

5,872

3,482

4,208

3,309

3,190

2,044

—

Profit before Tax

-3,529

-7,896

-8,170

-909

-1,324

1,717

2,645

4,053

4,934

6,434

6,436

Tax %

-0.00%

0.00%

37.11%

23.29%

32.10%

29.71%

Net Profit

-2,439

-5,105

-5,641

-1,121

-888

1,045

1,582

2,549

3,785

4,369

4,524

EPS

-13

-26

-20

-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

15,366

15,367

14,888

15,720

15,830

18,846

20,428

23,467

27,455

29,419

2,96,671

2,94,839

2,99,855

3,13,763

3,29,973

3,42,692

3,59,296

3,85,011

4,12,697

4,67,922

9,282

5,706

5,239

5,787

5,469

7,474

8,119

19,806

21,592

31,481

Other Liabilities & Provisions

9,497

7,695

6,476

15,269

7,268

8,729

9,641

9,708

8,333

11,606

Total Liabilities

3,26,225

3,30,718

3,56,249

3,69,215

3,86,423

4,06,165

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

3,680

3,229

10,421

6,017

6,763

15,061

16,667

14,653

13,266

18,882

1,02,632

1,25,298

1,42,518

1,48,582

1,40,787

1,36,583

1,43,923

1,41,435

1,57,320

1,39,399

1,56,542

1,46,525

1,51,101

1,56,579

1,68,174

2,02,984

2,43,406

2,82,420

3,36,997

4,290

4,343

4,310

4,336

5,132

4,955

4,776

5,336

5,204

5,125

18,851

23,480

23,384

22,217

19,970

19,413

17,722

16,400

13,872

12,203

Total Assets

3,26,225

3,30,718

3,56,249

3,69,215

3,86,423

4,06,165

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

61,847

-44,396

-14,588

1,771

-1,987

14,268

-8,794

-5,916

-2,469

2,786

Cash from Investing

-176

-300

-245

-297

-194

-125

-200

-576

-442

-436

Cash from Financing

1,554

5,158

6,805

3,403

5,055

1,500

-713

63,225

-39,538

-8,028

4,877

2,874

14,143

-8,995

-6,492

-1,411

1,638

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

-12.82

-19.50

-13.94

-1.96

-1.51

1.20

1.82

2.94

4.18

4.83

Book Value (₹)

73.93

56.74

39.19

32.34

30.49

27.43

29.33

32.33

36.00

38.24

Dividend per Share (₹)

0.00

0.19

1.20

PROFITABILITY

Net Interest Margin %

0.00%

3.03%

3.02%

2.66%

ROA %

-1.60%

-3.13%

-1.72%

-0.33%

-0.24%

0.28%

0.40%

0.60%

0.82%

0.85%

ROE %

-17.15%

-35.31%

-36.73%

-6.53%

-4.88%

5.01%

6.42%

9.53%

12.48%

13.00%

0.00%

58.18%

58.42%

58.61%

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%

50.05%

48.97%

47.36%

Credit-Deposit Ratio %

0.00%

0.05%

0.07%

0.00%

15.08%

17.02%

17.91%

GROWTH & VALUATION

Net Profit Growth %

-71.99%

-109.29%

-10.51%

80.12%

20.85%

217.72%

51.43%

61.11%

48.50%

15.41%

Book Value Growth %

0.00%

10.23%

11.36%

6.22%

P/E (x)

0.00x

20.36x

10.21x

6.52x

P/B (x)

0.00x

1.85x

1.19x

0.82x

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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