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IDBI Bank Ltd.

•
idbi.bank.inBSE: 500116NSE: IDBI
Market Cap₹ 89,718 Cr.
Current Price
High / Low₹ 118 / 61
Stock P/E9.3
Book Value₹ 57
Price to Book1.11
Dividend Yield0.00 %
ROCE15.3 %
ROE17.4 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail Banking: 57.9% • Treasury: 26.6% • Corporate Banking: 14.5%

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

  • Company has delivered good profit growth of 47.6% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 26.6%
  • Strong return ratios for a lender: 3Y avg ROE 16.0%, ROA 1.9%
  • Solid return on assets for a lender - ROA of 2.2%
  • Strong provisioning - provision coverage ratio of 99.3%
  • Healthy loan book growth of 16.1% with stable asset quality

CONS

  • A large part of profit comes from other income (56.6% of PBT)
  • Operating margins have contracted to 37.4% from 42.5%
  • Company has delivered a poor sales growth of 7.8% over past five years
  • Though reporting repeated profits, the company pays out little dividend (0.0%)
  • Growth is decelerating - 3Y profit CAGR (37.7%) trails the 5Y trend (47.6%)

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

Peer comparison

Financial ServicesBankBank - Private
Part ofNIFTY TOTAL MKTNIFTY 500NIFTY SMLCAP 250
S.No.Name
1.HDFCBANK708.0013.811091323.882.19203826.901092.64905753.30936.6612.8135.64
2.ICICIBANK1379.1517.65989980.040.8716209.7412.6252240.856.4416.5132.39
3.KOTAKBANK418.7020.52416508.360.165487.0623.8918354.576.4112.0519.05
4.AXISBANK1247.5013.98388399.910.087656.5122.3135541.969.8711.0463.88
5.IDBI83.449.6389718.040.002130.575.277549.287.4414.7676.80
6.FEDERALBNK344.4018.1885149.330.351297.6137.067861.589.9410.9866.11
7.AUBANK1058.0043.5779454.720.097959.531270.3153027.421111.1014.1756.24
8.INDUSINDBK977.8057.6176184.770.151037.0271.6811309.94-7.784.9755.07
9.IDFCFIRSTB86.2032.2474319.140.291147.82153.1211051.0914.615.4238.45
10.YESBANK23.4719.5273668.680.001071.8132.538054.495.928.0458.47
11.RBLBANK412.8071.2164022.780.242342.30993.4138402.401015.976.4940.95
12.KARURVYSYA333.8511.7632273.730.78755.7044.923049.4218.7223.6271.82
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
6,8606,0356,5416,9906,6667,4427,8166,9797,0217,1047,0747,7987,541
Interest Expended2,8622,9683,1063,3033,4333,5663,5873,6893,8553,8193,8643,9474,055
Net Interest Income3,9983,0663,4343,6883,2333,8754,2283,2903,1663,2853,2093,8513,486
8528899738968051,3137492,0571,4372,4891,2091,6111,032
Total Income00007,5278,8138,6299,0908,4999,2648,3529,5188,573
Operating Expenses1,8311,8842,0812,4091,9632,1822,1762,1522,2492,2522,5012,4192,350
Operating Profit3,0192,0722,3272,1752,0763,0062,8023,1952,3543,5231,9173,0432,168
Provisions & Contingencies1,190-227320114-443555166233-179-653-542285-637
Profit before Tax1,8282,2992,0072,0612,5192,4512,6362,9622,5344,1752,4592,7582,805
Tax %33.04%42.44%27.33%21.00%31.75%25.08%27.62%30.74%20.77%13.13%21.29%29.55%24.58%
Net Profit1,2241,3231,4581,6281,7191,8361,9082,0512,0073,6271,9351,9432,115
EPS1112222223220

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
000000026,42628,90228,997—
Interest Expended22,04017,38616,16613,84711,4149,1299,13912,24014,27615,48615,686
Net Interest Income-22,040-17,386-16,166-13,847-11,414-9,129-9,13914,18614,62613,512—
4,0087,0143,3004,4704,5594,6904,3723,6114,9246,7466,341
Total Income000000030,03733,82635,74435,706
00000008,2058,4729,420—
Operating Profit-22,040-17,386-16,166-13,847-11,414-9,129-9,1399,59211,07910,838—
13,09920,45025,56513,0154,2173,5141,8651,397510-1,089—
Profit before Tax-8,618-12,593-22,827-8,9672,3693,6085,2378,19510,56811,92612,197
Tax %-0.00%-0.00%-0.00%-0.00%0.00%0.00%0.00%31.25%28.89%20.23%21.12%
Net Profit-5,158-8,238-15,116-12,8871,3592,4393,6455,6347,5159,5139,621
EPS-25-34-30-14123579—

COMPOUNDED SALES GROWTH

10 Years:
0%
5 Years:
8%
3 Years:
12%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
48%
3 Years:
38%

STOCK PRICE CAGR

10 Years:
1%
5 Years:
17%
3 Years:
8%
1 Year:
-10%

RETURN ON EQUITY

10 Years:
-11%
5 Years:
13%
3 Years:
16%
Last Year:
17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2025

Jul 15

₹ 0.21

Rs.2.1000 per share(21%)Final Dividend

2024

Jul 16

₹ 0.15

Rs.1.5000 per share(15%)Dividend

2023

Jul 6

₹ 0.10

Rs.1.0000 per share(10%)Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
LIABILITIES----------
Equity Capital2,0593,0847,73610,38110,75210,75210,75210,75210,75210,752
20,50518,12629,87523,64426,05930,91034,56639,12949,49956,885
2,68,5382,47,9322,27,3722,22,4242,30,8522,33,1342,55,4902,77,6573,10,2123,47,163
56,36463,18645,28836,74915,90814,34512,63817,08319,88228,055
Other Liabilities & Provisions14,40917,75910,0136,73114,19312,46117,05618,95621,36223,705
Total Liabilities3,61,8743,50,0863,20,2842,99,9282,97,7643,01,6033,30,502364147
ASSETS----------
13,34713,16412,73010,53913,01327,79516,63913,99121,29433,230
Balances with Banks & Money at Call19,33720,5228,50319,89222,2097,91512,54211,94223,12223,607
92,93491,60693,07381,78081,02382,98899,6901,14,9341,17,4681,28,011
1,90,8261,71,7401,46,7901,29,8421,28,1501,36,9551,62,5681,88,6212,18,3992,53,626
6,8116,2717,7657,6447,3599,5429,2819,41312,1039,670
38,08146,28350,95749,74645,54236,01229,30724,57119,24318,324
Total Assets3,61,8743,50,0863,20,2842,99,9282,97,7643,01,6033,30,502364147

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
7,635-12,585-34,19119010,2185,008-2,397-1,18825,79516,752
Cash from Investing-451722114-294-79-147-281-282-3151,428
Cash from Financing1,90012,86521,6249,300-5,347-4,375-3,558-1,782-7,002-5,778
9,0841,002-12,4529,1974,792486-6,236-3,25218,47812,403

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)-25.05-26.71-19.54-12.411.262.273.395.246.998.85
Book Value (₹)83.2852.3939.9226.5128.3930.8734.5239.0146.2655.45
Dividend per Share (₹)0.000.000.000.000.000.001.001.502.100.00
PROFITABILITY
Net Interest Margin %0.00%0.00%0.00%0.00%0.00%0.00%0.00%4.31%3.85%3.08%
ROA %-1.40%-2.31%-4.51%-4.16%0.45%0.81%1.15%1.62%1.94%2.17%
ROE %-26.28%-49.47%-64.27%-44.13%4.68%7.66%10.37%14.25%16.39%17.40%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%46.10%43.33%46.50%
ASSET QUALITY
Gross NPA %0.00%0.00%0.00%0.00%0.00%19.14%0.00%0.00%0.00%2.93%
Net NPA %0.00%0.00%0.00%0.00%0.00%1.27%0.00%0.00%0.00%0.21%
Provision Coverage %0.00%0.00%0.00%0.00%0.00%97.63%0.00%0.00%99.42%99.33%
Slippage Ratio %——————————
BALANCE SHEET & LIQUIDITY
CASA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%50.43%46.55%44.59%
Credit-Deposit Ratio %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.06%0.06%0.08%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%22.26%25.05%26.65%
GROWTH & VALUATION
Net Profit Growth %-40.75%-59.71%-83.50%14.75%110.55%79.43%49.43%54.57%33.39%26.59%
Book Value Growth %0.00%0.00%0.00%0.00%0.00%0.00%0.00%13.02%18.57%19.87%
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x15.44x11.11x6.95x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x2.07x1.68x1.11x
0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.85%2.70%0.00%

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
94.7194.7194.7194.7194.7194.7194.7194.7194.71
0.460.460.420.460.540.470.520.560.45
0.160.170.180.180.150.110.120.080.10
0.010.010.010.010.010.010.010.010.01
4.664.644.684.644.594.694.654.634.72

Documents

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

2026-09-10
Updates

2026-09-10 - IDBI Bank Limited has informed the Exchange regarding 'Notice of Proposed Bank Strike'.

2026-09-09
News Verification

2026-09-09 - The Exchange has sought clarification from IDBI Bank Limited with respect to recent news item captioned Fairfax plans IIFL Finance exit to fund IDBI Bank bid. The response from the Company is attached.

2026-09-08
News Verification

2026-09-08 - The Exchange has sought clarification from IDBI Bank Limited with respect to recent news item captioned Fairfax plans IIFL Finance exit to fund IDBI Bank bid. The response from the Company is awaited.

2026-08-31
General Updates

2026-08-31 - IDBI Bank Limited has informed the Exchange about Change in Senior Management Personnel

2026-08-29
Credit Rating

2026-08-29 - IDBI Bank Limited has informed the Exchange about Credit Rating

2026-08-28
Copy of Newspaper Publication

2026-08-28 - IDBI Bank Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-27
Credit Rating

2026-08-27 - IDBI Bank Limited has informed the Exchange about Credit Rating

2026-08-25
Spurt in Volume

2026-08-25 - Significant increase in volume has been observed in IDBI Bank Limited. The Exchange, in order to ensure that investors have latest relevant information about the company and to inform the market place so that the interest of the investors is safeguarded, had written to the company. IDBI Bank Limited has submitted their response.

2026-08-24
Spurt in Volume

2026-08-24 - Significant increase in volume has been observed in IDBI Bank Limited. The Exchange, in order to ensure that investors have latest relevant information about the company and to inform the market place so that the interest of the investors is safeguarded, has written to the company. The response from the company is awaited.

News

Recent coverage and analyst commentary for IDBI

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