Bank Of Baroda
•2026-08-21
ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 39.8% • Corporate/Wholesale Banking: 32.3% • Treasury: 22.2% • Banking/ And Other Operations: 5.6% • Digital Banking-Retail Banking: 0.0%
PROS
- Company has delivered good profit growth of 68.0% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 15.8%
- Asset quality is healthy - gross NPA of just 1.9%
- Company has consistently been profitable over the last 5 years
- Strong provisioning - provision coverage ratio of 93.3%
- Healthy loan book growth of 16.5% with stable asset quality
CONS
- A large part of profit comes from other income (90.3% of PBT)
- Operating margins have contracted to 27.0% from 31.9%
- Thin net interest margin of 2.4%
- Growth is decelerating - 3Y profit CAGR (9.9%) trails the 5Y trend (68.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | SBIN | 1046.00 | 11.20 | 965522.60 | 1.66 | 24579.04 | 13.65 | 136240.49 | 8.36 | 12.16 | 52.34 |
| 2. | UNIONBANK | 185.50 | 6.86 | 141603.38 | 2.70 | 5368.17 | 29.77 | 27427.10 | 1.21 | 14.57 | 69.42 |
| 3. | PNB | 117.00 | 6.09 | 134467.44 | 2.56 | 5339.15 | 191.40 | 33589.17 | 3.12 | 13.26 | 75.40 |
| 4. | BANKBARODA | 244.50 | 6.96 | 126439.81 | 3.48 | 1572.59 | -53.08 | 35114.52 | 6.84 | 11.20 | 33.10 |
| 5. | INDIANB | 872.00 | 9.19 | 117455.26 | 2.09 | 3299.48 | 48.73 | 18095.14 | 11.11 | 16.28 | 67.14 |
| 6. | CANBK | 128.55 | 5.87 | 116603.22 | 3.27 | 4864.08 | 61.96 | 32957.16 | 4.55 | 14.46 | 68.47 |
| 7. | BANKINDIA | 141.50 | 5.47 | 64420.25 | 3.29 | 3138.46 | 77.92 | 20096.90 | 8.83 | 10.97 | 73.18 |
| 8. | IOB | 33.18 | 10.72 | 63893.36 | 0.00 | 1659.24 | 49.25 | 8777.57 | 18.82 | 11.31 | 54.56 |
| 9. | MAHABANK | 79.85 | 8.15 | 61417.07 | 2.76 | 20205.40 | 1168.32 | 80346.50 | 1039.02 | 16.53 | 68.61 |
| 10. | UCOBANK | 25.69 | 13.05 | 32214.13 | 1.71 | 652.43 | 24.09 | 6744.59 | 15.10 | 11.00 | 54.71 |
| 11. | CENTRALBK | 30.92 | 6.13 | 27986.93 | 3.88 | 1328.95 | 5.43 | 9725.90 | 12.79 | 8.27 | 67.83 |
| 12. | PSB | 23.21 | 0.00 | 16468.85 | 1.68 | 331.51 | 23.16 | 3213.37 | 10.40 | 9.07 | 71.38 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 28,003 | 29,263 | 30,042 | 31,072 | 31,143 | 31,902 | 32,939 | 32,820 | 32,866 | 33,318 | 33,600 | 34,514 | 35,115 | |
| Interest Expended | 16,060 | 17,528 | 18,002 | 18,309 | 18,582 | 19,266 | 20,143 | 20,273 | 20,307 | 20,191 | 20,586 | 20,776 | 21,301 |
| Net Interest Income | 11,942 | 11,735 | 12,040 | 12,763 | 12,561 | 12,636 | 12,796 | 12,547 | 12,560 | 13,127 | 13,014 | 13,738 | 13,813 |
| 5,316 | 6,503 | 5,042 | 6,538 | 4,658 | 7,553 | 4,794 | 7,076 | 5,538 | 5,116 | 6,399 | 5,474 | 6,202 | |
| Total Income | 0 | 0 | 0 | 0 | 35,801 | 39,455 | 37,732 | 39,896 | 38,404 | 38,434 | 39,999 | 39,988 | 41,317 |
| Operating Expenses | 0 | 0 | 0 | 0 | 84,372 | 89,824 | 91,576 | 1,01,436 | 95,120 | 97,500 | 97,615 | 96,939 | 9,432 |
| Operating Profit | 0 | 0 | 0 | 0 | 87,813 | 1,12,066 | 84,317 | 94,789 | 85,856 | 84,928 | 96,516 | 95,180 | 10,584 |
| Provisions & Contingencies | 0 | 0 | 0 | 0 | 24,418 | 37,728 | 14,969 | 25,680 | 34,160 | 17,978 | 26,281 | 34,615 | 2,698 |
| Profit before Tax | 6,217 | 6,023 | 6,526 | 7,033 | 6,340 | 7,434 | 6,935 | 6,911 | 5,170 | 6,695 | 7,024 | 6,057 | 2,206 |
| Tax % | 30.80% | 27.89% | 27.24% | 28.68% | 27.75% | 26.62% | 26.22% | 23.21% | 35.16% | 24.27% | 23.02% | 6.75% | 28.70% |
| Net Profit | 0 | 0 | 0 | 0 | 4,580 | 5,455 | 5,117 | 5,307 | 3,352 | 5,070 | 5,407 | 5,648 | 1,573 |
| EPS | 9 | 8 | 9 | 10 | 9 | 10 | 10 | 10 | 7 | 10 | 11 | 11 | 0 |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 93.32% | 93.61% | 93.51% | 93.29% | 93.18% | 93.21% | 92.73% | 93.94% | 93.28% |
| NIM % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Capital Adequacy % | 0.00% | 0.00% | 0.00% | 0.00% | 17.20% | 16.67% | 16.36% | 17.60% | 18.29% | 16.97% | 15.75% | 16.25% | 16.70% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.00% | 1.14% | 1.27% | 1.19% | 1.19% | 0.75% | 1.09% | 1.12% | 1.14% | 0.34% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 93.32% | 93.61% | 93.51% | 93.29% | 93.18% | 93.21% | 92.73% | 93.94% | 93.28% |
| NIM % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Capital Adequacy % | 0.00% | 0.00% | 0.00% | 0.00% | 17.20% | 16.67% | 16.36% | 17.60% | 18.29% | 16.97% | 15.75% | 16.25% | 16.70% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.00% | 1.14% | 1.27% | 1.19% | 1.19% | 0.75% | 1.09% | 1.12% | 1.14% | 0.34% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
- 28,003
- Interest Expended
- 16,060
- Net Interest Income
- 11,942
- 5,316
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 6,217
- Tax %
- 30.80%
- Net Profit
- 0
- EPS
- 9
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 29,263
- Interest Expended
- 17,528
- Net Interest Income
- 11,735
- 6,503
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 6,023
- Tax %
- 27.89%
- Net Profit
- 0
- EPS
- 8
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 30,042
- Interest Expended
- 18,002
- Net Interest Income
- 12,040
- 5,042
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 6,526
- Tax %
- 27.24%
- Net Profit
- 0
- EPS
- 9
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 31,072
- Interest Expended
- 18,309
- Net Interest Income
- 12,763
- 6,538
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 7,033
- Tax %
- 28.68%
- Net Profit
- 0
- EPS
- 10
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 31,143
- Interest Expended
- 18,582
- Net Interest Income
- 12,561
- 4,658
- Total Income
- 35,801
- Operating Expenses
- 84,372
- Operating Profit
- 87,813
- Provisions & Contingencies
- 24,418
- Profit before Tax
- 6,340
- Tax %
- 27.75%
- Net Profit
- 4,580
- EPS
- 9
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.32%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 17.20%
- Return on Assets %
- 1.14%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.32%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 17.20%
- Return on Assets %
- 1.14%
- Branches / ATMs / Employees
- —
- 31,902
- Interest Expended
- 19,266
- Net Interest Income
- 12,636
- 7,553
- Total Income
- 39,455
- Operating Expenses
- 89,824
- Operating Profit
- 1,12,066
- Provisions & Contingencies
- 37,728
- Profit before Tax
- 7,434
- Tax %
- 26.62%
- Net Profit
- 5,455
- EPS
- 10
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.61%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.67%
- Return on Assets %
- 1.27%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.61%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.67%
- Return on Assets %
- 1.27%
- Branches / ATMs / Employees
- —
- 32,939
- Interest Expended
- 20,143
- Net Interest Income
- 12,796
- 4,794
- Total Income
- 37,732
- Operating Expenses
- 91,576
- Operating Profit
- 84,317
- Provisions & Contingencies
- 14,969
- Profit before Tax
- 6,935
- Tax %
- 26.22%
- Net Profit
- 5,117
- EPS
- 10
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.51%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.36%
- Return on Assets %
- 1.19%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.51%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.36%
- Return on Assets %
- 1.19%
- Branches / ATMs / Employees
- —
- 32,820
- Interest Expended
- 20,273
- Net Interest Income
- 12,547
- 7,076
- Total Income
- 39,896
- Operating Expenses
- 1,01,436
- Operating Profit
- 94,789
- Provisions & Contingencies
- 25,680
- Profit before Tax
- 6,911
- Tax %
- 23.21%
- Net Profit
- 5,307
- EPS
- 10
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.29%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 17.60%
- Return on Assets %
- 1.19%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.29%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 17.60%
- Return on Assets %
- 1.19%
- Branches / ATMs / Employees
- —
- 32,866
- Interest Expended
- 20,307
- Net Interest Income
- 12,560
- 5,538
- Total Income
- 38,404
- Operating Expenses
- 95,120
- Operating Profit
- 85,856
- Provisions & Contingencies
- 34,160
- Profit before Tax
- 5,170
- Tax %
- 35.16%
- Net Profit
- 3,352
- EPS
- 7
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.18%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 18.29%
- Return on Assets %
- 0.75%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.18%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 18.29%
- Return on Assets %
- 0.75%
- Branches / ATMs / Employees
- —
- 33,318
- Interest Expended
- 20,191
- Net Interest Income
- 13,127
- 5,116
- Total Income
- 38,434
- Operating Expenses
- 97,500
- Operating Profit
- 84,928
- Provisions & Contingencies
- 17,978
- Profit before Tax
- 6,695
- Tax %
- 24.27%
- Net Profit
- 5,070
- EPS
- 10
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.21%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.97%
- Return on Assets %
- 1.09%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.21%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.97%
- Return on Assets %
- 1.09%
- Branches / ATMs / Employees
- —
- 33,600
- Interest Expended
- 20,586
- Net Interest Income
- 13,014
- 6,399
- Total Income
- 39,999
- Operating Expenses
- 97,615
- Operating Profit
- 96,516
- Provisions & Contingencies
- 26,281
- Profit before Tax
- 7,024
- Tax %
- 23.02%
- Net Profit
- 5,407
- EPS
- 11
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 92.73%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 15.75%
- Return on Assets %
- 1.12%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 92.73%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 15.75%
- Return on Assets %
- 1.12%
- Branches / ATMs / Employees
- —
- 34,514
- Interest Expended
- 20,776
- Net Interest Income
- 13,738
- 5,474
- Total Income
- 39,988
- Operating Expenses
- 96,939
- Operating Profit
- 95,180
- Provisions & Contingencies
- 34,615
- Profit before Tax
- 6,057
- Tax %
- 6.75%
- Net Profit
- 5,648
- EPS
- 11
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.94%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.25%
- Return on Assets %
- 1.14%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.94%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.25%
- Return on Assets %
- 1.14%
- Branches / ATMs / Employees
- —
- 35,115
- Interest Expended
- 21,301
- Net Interest Income
- 13,813
- 6,202
- Total Income
- 41,317
- Operating Expenses
- 9,432
- Operating Profit
- 10,584
- Provisions & Contingencies
- 2,698
- Profit before Tax
- 2,206
- Tax %
- 28.70%
- Net Profit
- 1,573
- EPS
- 0
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.28%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.70%
- Return on Assets %
- 0.34%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.28%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 16.70%
- Return on Assets %
- 0.34%
- Branches / ATMs / Employees
- —
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 | 1,18,379 | 1,27,945 | 1,34,298 | — | |
| Interest Expended | 29,596 | 29,160 | 32,506 | 50,040 | 43,201 | 38,815 | 49,942 | 69,899 | 78,265 | 81,860 | 82,855 |
| Net Interest Income | -29,596 | -29,160 | -32,506 | -50,040 | -43,201 | -38,815 | -49,942 | 48,480 | 49,680 | 52,438 | — |
| 7,937 | 7,992 | 7,887 | 12,191 | 15,254 | 14,395 | 16,275 | 23,399 | 24,939 | 22,527 | 23,192 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,41,779 | 1,52,884 | 1,56,825 | 1,59,738 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 34,337 | 36,721 | 38,717 | — | |
| Operating Profit | -29,596 | -29,160 | -32,506 | -50,040 | -43,201 | -38,815 | -49,942 | 37,543 | 37,898 | 36,248 | — |
| 8,965 | 15,104 | 12,609 | 20,947 | 15,572 | 12,863 | 6,920 | 11,743 | 10,280 | 11,303 | — | |
| Profit before Tax | 3,024 | -2,106 | 1,525 | -1,234 | 6,373 | 10,008 | 20,565 | 25,799 | 27,619 | 24,945 | 21,981 |
| Tax % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 29 | 26 | 22 | 19 |
| Net Profit | 1,777 | -1,912 | 1,087 | 942 | 1,454 | 7,700 | 14,688 | 18,410 | 20,459 | 19,477 | 17,698 |
| EPS | 8 | -8 | 4 | 2 | 3 | 15 | 29 | 36 | 40 | 38 | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
- 0
- Interest Expended
- 29,596
- Net Interest Income
- -29,596
- 7,937
- Total Income
- 0
- 0
- Operating Profit
- -29,596
- 8,965
- Profit before Tax
- 3,024
- Tax %
- 0
- Net Profit
- 1,777
- EPS
- 8
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 29,160
- Net Interest Income
- -29,160
- 7,992
- Total Income
- 0
- 0
- Operating Profit
- -29,160
- 15,104
- Profit before Tax
- -2,106
- Tax %
- 0
- Net Profit
- -1,912
- EPS
- -8
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 32,506
- Net Interest Income
- -32,506
- 7,887
- Total Income
- 0
- 0
- Operating Profit
- -32,506
- 12,609
- Profit before Tax
- 1,525
- Tax %
- 0
- Net Profit
- 1,087
- EPS
- 4
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 50,040
- Net Interest Income
- -50,040
- 12,191
- Total Income
- 0
- 0
- Operating Profit
- -50,040
- 20,947
- Profit before Tax
- -1,234
- Tax %
- 0
- Net Profit
- 942
- EPS
- 2
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 43,201
- Net Interest Income
- -43,201
- 15,254
- Total Income
- 0
- 0
- Operating Profit
- -43,201
- 15,572
- Profit before Tax
- 6,373
- Tax %
- 0
- Net Profit
- 1,454
- EPS
- 3
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 38,815
- Net Interest Income
- -38,815
- 14,395
- Total Income
- 0
- 0
- Operating Profit
- -38,815
- 12,863
- Profit before Tax
- 10,008
- Tax %
- 0
- Net Profit
- 7,700
- EPS
- 15
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 49,942
- Net Interest Income
- -49,942
- 16,275
- Total Income
- 0
- 0
- Operating Profit
- -49,942
- 6,920
- Profit before Tax
- 20,565
- Tax %
- 0
- Net Profit
- 14,688
- EPS
- 29
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 1,18,379
- Interest Expended
- 69,899
- Net Interest Income
- 48,480
- 23,399
- Total Income
- 1,41,779
- 34,337
- Operating Profit
- 37,543
- 11,743
- Profit before Tax
- 25,799
- Tax %
- 29
- Net Profit
- 18,410
- EPS
- 36
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 1,27,945
- Interest Expended
- 78,265
- Net Interest Income
- 49,680
- 24,939
- Total Income
- 1,52,884
- 36,721
- Operating Profit
- 37,898
- 10,280
- Profit before Tax
- 27,619
- Tax %
- 26
- Net Profit
- 20,459
- EPS
- 40
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 1,34,298
- Interest Expended
- 81,860
- Net Interest Income
- 52,438
- 22,527
- Total Income
- 1,56,825
- 38,717
- Operating Profit
- 36,248
- 11,303
- Profit before Tax
- 24,945
- Tax %
- 22
- Net Profit
- 19,477
- EPS
- 38
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- —
- Interest Expended
- 82,855
- Net Interest Income
- —
- 23,192
- Total Income
- 1,59,738
- —
- Operating Profit
- —
- —
- Profit before Tax
- 21,981
- Tax %
- 19
- Net Profit
- 17,698
- EPS
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
COMPOUNDED SALES GROWTH
- 10 Years:
- 11%
- 5 Years:
- 13%
- 3 Years:
- 12%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 67%
- 3 Years:
- 10%
STOCK PRICE CAGR
- 10 Years:
- 4%
- 5 Years:
- 27%
- 3 Years:
- 9%
- 1 Year:
- 0%
RETURN ON EQUITY
- 10 Years:
- 7%
- 5 Years:
- 14%
- 3 Years:
- 15%
- Last Year:
- 12%
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 | 461 | 529 | 529 | 924 | 1,034 | 1,034 | 1,034 | 1,034 | 1,034 | 1,034 |
| 42,605 | 46,036 | 49,424 | 75,179 | 81,354 | 90,833 | 1,04,019 | 1,18,677 | 1,45,467 | 1,64,833 | |
| 6,17,257 | 6,07,451 | 6,65,589 | 9,73,228 | 9,95,910 | 10,75,804 | 12,34,682 | 13,59,980 | 14,96,696 | 16,75,895 | |
| 31,242 | 64,860 | 68,868 | 95,753 | 71,263 | 1,09,526 | 1,07,910 | 1,01,959 | 1,35,813 | 1,70,297 | |
| Other Liabilities & Provisions | 27,422 | 28,655 | 29,878 | 54,471 | 52,677 | 62,181 | 77,238 | 72,110 | 81,515 | 87,944 |
| Total Liabilities | 7,19,221 | 7,47,805 | 8,19,672 | 11,99,942 | 12,02,676 | 13,40,137 | 15,25,879 | 165 | 186 | 210 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 23,915 | 24,035 | 28,225 | 34,245 | 40,154 | 72,775 | 56,696 | 56,720 | 58,191 | 64,686 | |
| Balances with Banks & Money at Call | 1,30,200 | 73,388 | 69,659 | 96,760 | 88,507 | 57,454 | 45,677 | 43,570 | 74,287 | 96,137 |
| 1,40,716 | 1,75,137 | 1,95,716 | 2,89,727 | 2,81,859 | 3,47,587 | 3,97,487 | 4,07,136 | 4,27,380 | 4,35,778 | |
| 3,92,262 | 4,37,941 | 4,84,215 | 7,06,540 | 7,23,242 | 7,97,281 | 9,63,652 | 10,88,983 | 12,37,240 | 14,40,458 | |
| 5,930 | 5,532 | 7,144 | 9,044 | 8,082 | 10,057 | 8,876 | 8,036 | 12,479 | 12,048 | |
| 26,197 | 31,771 | 34,712 | 63,627 | 60,696 | 54,852 | 53,410 | 50,221 | 52,043 | 52,246 | |
| Total Assets | 7,19,221 | 7,47,805 | 8,19,672 | 11,99,942 | 12,02,676 | 13,40,137 | 15,25,879 | 165 | 186 | 210 |
| CASA Deposits | 1,54,327 | 1,69,168 | 1,82,120 | 2,74,835 | 3,15,821 | 3,51,551 | 3,78,079 | 3,99,047 | 4,18,050 | 4,55,878 |
| CASA Ratio (%) | 25.00 | 27.85 | 27.36 | 28.24 | 31.71 | 32.68 | 30.62 | 29.34 | 27.93 | 27.20 |
| Credit-Deposit Ratio (%) | 63.55 | 72.09 | 72.75 | 72.60 | 72.62 | 74.11 | 78.05 | 80.07 | 82.66 | 85.95 |
| Contingent Liabilities | 2,53,395 | 2,99,023 | 3,81,543 | 3,84,036 | 4,00,674 | 4,05,792 | 5,81,568 | 5,78,783 | 7,86,466 | 7,96,249 |
| Bills for Collection | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 61,980 | 62,538 | 66,819 |
| Book Value per Share | 171.25 | 163.97 | 171.64 | 151.46 | 159.32 | 177.65 | 203.14 | 231.49 | 283.29 | 320.74 |
| CASA Deposits | 1,54,327 | 1,69,168 | 1,82,120 | 2,74,835 | 3,15,821 | 3,51,551 | 3,78,079 | 3,99,047 | 4,18,050 | 4,55,878 |
| CASA Ratio (%) | 25.00 | 27.85 | 27.36 | 28.24 | 31.71 | 32.68 | 30.62 | 29.34 | 27.93 | 27.20 |
| Credit-Deposit Ratio (%) | 63.55 | 72.09 | 72.75 | 72.60 | 72.62 | 74.11 | 78.05 | 80.07 | 82.66 | 85.95 |
| Contingent Liabilities | 2,53,395 | 2,99,023 | 3,81,543 | 3,84,036 | 4,00,674 | 4,05,792 | 5,81,568 | 5,78,783 | 7,86,466 | 7,96,249 |
| Bills for Collection | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 61,980 | 62,538 | 66,819 |
| Book Value per Share | 171.25 | 163.97 | 171.64 | 151.46 | 159.32 | 177.65 | 203.14 | 231.49 | 283.29 | 320.74 |
- Equity Capital
- 461
- 42,605
- 6,17,257
- 31,242
- Other Liabilities & Provisions
- 27,422
- Total Liabilities
- 7,19,221
- 23,915
- Balances with Banks & Money at Call
- 1,30,200
- 1,40,716
- 3,92,262
- 5,930
- 26,197
- Total Assets
- 7,19,221
- CASA Deposits
- 1,54,327
- CASA Ratio (%)
- 25.00
- Credit-Deposit Ratio (%)
- 63.55
- Contingent Liabilities
- 2,53,395
- Bills for Collection
- 0
- Book Value per Share
- 171.25
- CASA Deposits
- 1,54,327
- CASA Ratio (%)
- 25.00
- Credit-Deposit Ratio (%)
- 63.55
- Contingent Liabilities
- 2,53,395
- Bills for Collection
- 0
- Book Value per Share
- 171.25
- Equity Capital
- 529
- 46,036
- 6,07,451
- 64,860
- Other Liabilities & Provisions
- 28,655
- Total Liabilities
- 7,47,805
- 24,035
- Balances with Banks & Money at Call
- 73,388
- 1,75,137
- 4,37,941
- 5,532
- 31,771
- Total Assets
- 7,47,805
- CASA Deposits
- 1,69,168
- CASA Ratio (%)
- 27.85
- Credit-Deposit Ratio (%)
- 72.09
- Contingent Liabilities
- 2,99,023
- Bills for Collection
- 0
- Book Value per Share
- 163.97
- CASA Deposits
- 1,69,168
- CASA Ratio (%)
- 27.85
- Credit-Deposit Ratio (%)
- 72.09
- Contingent Liabilities
- 2,99,023
- Bills for Collection
- 0
- Book Value per Share
- 163.97
- Equity Capital
- 529
- 49,424
- 6,65,589
- 68,868
- Other Liabilities & Provisions
- 29,878
- Total Liabilities
- 8,19,672
- 28,225
- Balances with Banks & Money at Call
- 69,659
- 1,95,716
- 4,84,215
- 7,144
- 34,712
- Total Assets
- 8,19,672
- CASA Deposits
- 1,82,120
- CASA Ratio (%)
- 27.36
- Credit-Deposit Ratio (%)
- 72.75
- Contingent Liabilities
- 3,81,543
- Bills for Collection
- 0
- Book Value per Share
- 171.64
- CASA Deposits
- 1,82,120
- CASA Ratio (%)
- 27.36
- Credit-Deposit Ratio (%)
- 72.75
- Contingent Liabilities
- 3,81,543
- Bills for Collection
- 0
- Book Value per Share
- 171.64
- Equity Capital
- 924
- 75,179
- 9,73,228
- 95,753
- Other Liabilities & Provisions
- 54,471
- Total Liabilities
- 11,99,942
- 34,245
- Balances with Banks & Money at Call
- 96,760
- 2,89,727
- 7,06,540
- 9,044
- 63,627
- Total Assets
- 11,99,942
- CASA Deposits
- 2,74,835
- CASA Ratio (%)
- 28.24
- Credit-Deposit Ratio (%)
- 72.60
- Contingent Liabilities
- 3,84,036
- Bills for Collection
- 0
- Book Value per Share
- 151.46
- CASA Deposits
- 2,74,835
- CASA Ratio (%)
- 28.24
- Credit-Deposit Ratio (%)
- 72.60
- Contingent Liabilities
- 3,84,036
- Bills for Collection
- 0
- Book Value per Share
- 151.46
- Equity Capital
- 1,034
- 81,354
- 9,95,910
- 71,263
- Other Liabilities & Provisions
- 52,677
- Total Liabilities
- 12,02,676
- 40,154
- Balances with Banks & Money at Call
- 88,507
- 2,81,859
- 7,23,242
- 8,082
- 60,696
- Total Assets
- 12,02,676
- CASA Deposits
- 3,15,821
- CASA Ratio (%)
- 31.71
- Credit-Deposit Ratio (%)
- 72.62
- Contingent Liabilities
- 4,00,674
- Bills for Collection
- 0
- Book Value per Share
- 159.32
- CASA Deposits
- 3,15,821
- CASA Ratio (%)
- 31.71
- Credit-Deposit Ratio (%)
- 72.62
- Contingent Liabilities
- 4,00,674
- Bills for Collection
- 0
- Book Value per Share
- 159.32
- Equity Capital
- 1,034
- 90,833
- 10,75,804
- 1,09,526
- Other Liabilities & Provisions
- 62,181
- Total Liabilities
- 13,40,137
- 72,775
- Balances with Banks & Money at Call
- 57,454
- 3,47,587
- 7,97,281
- 10,057
- 54,852
- Total Assets
- 13,40,137
- CASA Deposits
- 3,51,551
- CASA Ratio (%)
- 32.68
- Credit-Deposit Ratio (%)
- 74.11
- Contingent Liabilities
- 4,05,792
- Bills for Collection
- 0
- Book Value per Share
- 177.65
- CASA Deposits
- 3,51,551
- CASA Ratio (%)
- 32.68
- Credit-Deposit Ratio (%)
- 74.11
- Contingent Liabilities
- 4,05,792
- Bills for Collection
- 0
- Book Value per Share
- 177.65
- Equity Capital
- 1,034
- 1,04,019
- 12,34,682
- 1,07,910
- Other Liabilities & Provisions
- 77,238
- Total Liabilities
- 15,25,879
- 56,696
- Balances with Banks & Money at Call
- 45,677
- 3,97,487
- 9,63,652
- 8,876
- 53,410
- Total Assets
- 15,25,879
- CASA Deposits
- 3,78,079
- CASA Ratio (%)
- 30.62
- Credit-Deposit Ratio (%)
- 78.05
- Contingent Liabilities
- 5,81,568
- Bills for Collection
- 0
- Book Value per Share
- 203.14
- CASA Deposits
- 3,78,079
- CASA Ratio (%)
- 30.62
- Credit-Deposit Ratio (%)
- 78.05
- Contingent Liabilities
- 5,81,568
- Bills for Collection
- 0
- Book Value per Share
- 203.14
- Equity Capital
- 1,034
- 1,18,677
- 13,59,980
- 1,01,959
- Other Liabilities & Provisions
- 72,110
- Total Liabilities
- 165
- 56,720
- Balances with Banks & Money at Call
- 43,570
- 4,07,136
- 10,88,983
- 8,036
- 50,221
- Total Assets
- 165
- CASA Deposits
- 3,99,047
- CASA Ratio (%)
- 29.34
- Credit-Deposit Ratio (%)
- 80.07
- Contingent Liabilities
- 5,78,783
- Bills for Collection
- 61,980
- Book Value per Share
- 231.49
- CASA Deposits
- 3,99,047
- CASA Ratio (%)
- 29.34
- Credit-Deposit Ratio (%)
- 80.07
- Contingent Liabilities
- 5,78,783
- Bills for Collection
- 61,980
- Book Value per Share
- 231.49
- Equity Capital
- 1,034
- 1,45,467
- 14,96,696
- 1,35,813
- Other Liabilities & Provisions
- 81,515
- Total Liabilities
- 186
- 58,191
- Balances with Banks & Money at Call
- 74,287
- 4,27,380
- 12,37,240
- 12,479
- 52,043
- Total Assets
- 186
- CASA Deposits
- 4,18,050
- CASA Ratio (%)
- 27.93
- Credit-Deposit Ratio (%)
- 82.66
- Contingent Liabilities
- 7,86,466
- Bills for Collection
- 62,538
- Book Value per Share
- 283.29
- CASA Deposits
- 4,18,050
- CASA Ratio (%)
- 27.93
- Credit-Deposit Ratio (%)
- 82.66
- Contingent Liabilities
- 7,86,466
- Bills for Collection
- 62,538
- Book Value per Share
- 283.29
- Equity Capital
- 1,034
- 1,64,833
- 16,75,895
- 1,70,297
- Other Liabilities & Provisions
- 87,944
- Total Liabilities
- 210
- 64,686
- Balances with Banks & Money at Call
- 96,137
- 4,35,778
- 14,40,458
- 12,048
- 52,246
- Total Assets
- 210
- CASA Deposits
- 4,55,878
- CASA Ratio (%)
- 27.20
- Credit-Deposit Ratio (%)
- 85.95
- Contingent Liabilities
- 7,96,249
- Bills for Collection
- 66,819
- Book Value per Share
- 320.74
- CASA Deposits
- 4,55,878
- CASA Ratio (%)
- 27.20
- Credit-Deposit Ratio (%)
- 85.95
- Contingent Liabilities
- 7,96,249
- Bills for Collection
- 66,819
- Book Value per Share
- 320.74
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 17,865 | -59,692 | -1,449 | 1,519 | -887 | 6,210 | -21,354 | -6,274 | 34,892 | 33,426 | |
| Cash from Investing | -551 | -414 | -2,537 | -139 | -471 | -3,645 | -1,096 | -1,285 | -6,494 | -3,275 |
| Cash from Financing | -198 | 3,413 | 4,449 | 14,729 | -986 | -998 | -5,405 | 5,476 | 3,790 | -1,806 |
| 17,116 | -56,692 | 462 | 16,109 | -2,344 | 1,567 | -27,855 | -2,084 | 32,188 | 28,345 |
- 17,865
- Cash from Investing
- -551
- Cash from Financing
- -198
- 17,116
- -59,692
- Cash from Investing
- -414
- Cash from Financing
- 3,413
- -56,692
- -1,449
- Cash from Investing
- -2,537
- Cash from Financing
- 4,449
- 462
- 1,519
- Cash from Investing
- -139
- Cash from Financing
- 14,729
- 16,109
- -887
- Cash from Investing
- -471
- Cash from Financing
- -986
- -2,344
- 6,210
- Cash from Investing
- -3,645
- Cash from Financing
- -998
- 1,567
- -21,354
- Cash from Investing
- -1,096
- Cash from Financing
- -5,405
- -27,855
- -6,274
- Cash from Investing
- -1,285
- Cash from Financing
- 5,476
- -2,084
- 34,892
- Cash from Investing
- -6,494
- Cash from Financing
- 3,790
- 32,188
- 33,426
- Cash from Investing
- -3,275
- Cash from Financing
- -1,806
- 28,345
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 (₹) | 7.88 | -7.13 | 4.16 | 2.01 | 2.99 | 15.18 | 28.82 | 36.29 | 40.06 | 38.38 |
| Book Value (₹) | 171.25 | 163.97 | 171.64 | 151.46 | 159.32 | 177.65 | 203.14 | 231.49 | 283.29 | 320.74 |
| Dividend per Share (₹) | 1.20 | 0.00 | 0.00 | 0.00 | 0.00 | 2.85 | 5.50 | 7.60 | 8.35 | 8.50 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Net Interest Margin % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.04% | 2.76% | 2.57% |
| ROA % | 0.25% | -0.26% | 0.14% | 0.09% | 0.12% | 0.61% | 1.02% | 1.16% | 1.16% | 0.98% |
| ROE % | 4.57% | -4.62% | 2.45% | 1.63% | 1.91% | 8.84% | 14.92% | 16.38% | 15.37% | 12.47% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 47.77% | 49.21% | 51.65% | |
| ASSET QUALITY | - | - | - | - | - | - | - | - | - | - |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 93.29% | 93.94% |
| Slippage Ratio % | — | — | — | — | — | — | — | — | — | — |
| BALANCE SHEET & LIQUIDITY | - | - | - | - | - | - | - | - | - | - |
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 38.36% | 37.71% | 37.06% |
| Credit-Deposit Ratio % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.09% | 0.10% |
| 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 % | 135.17% | -207.58% | 156.85% | -13.33% | 54.31% | 429.63% | 90.75% | 25.34% | 11.13% | -4.80% |
| Book Value Growth % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.95% | 22.38% | 13.22% |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 7.28x | 5.70x | 6.45x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.14x | 0.81x | 0.77x |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.88% | 3.66% | 3.44% |
- EPS (₹)
- 7.88
- Book Value (₹)
- 171.25
- Dividend per Share (₹)
- 1.20
- Net Interest Margin %
- 0.00%
- ROA %
- 0.25%
- ROE %
- 4.57%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 135.17%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- -7.13
- Book Value (₹)
- 163.97
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- -0.26%
- ROE %
- -4.62%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- -207.58%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 4.16
- Book Value (₹)
- 171.64
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- 0.14%
- ROE %
- 2.45%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 156.85%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 2.01
- Book Value (₹)
- 151.46
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- 0.09%
- ROE %
- 1.63%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- -13.33%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 2.99
- Book Value (₹)
- 159.32
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- 0.12%
- ROE %
- 1.91%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 54.31%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 15.18
- Book Value (₹)
- 177.65
- Dividend per Share (₹)
- 2.85
- Net Interest Margin %
- 0.00%
- ROA %
- 0.61%
- ROE %
- 8.84%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 429.63%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 28.82
- Book Value (₹)
- 203.14
- Dividend per Share (₹)
- 5.50
- Net Interest Margin %
- 0.00%
- ROA %
- 1.02%
- ROE %
- 14.92%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 90.75%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 36.29
- Book Value (₹)
- 231.49
- Dividend per Share (₹)
- 7.60
- Net Interest Margin %
- 3.04%
- ROA %
- 1.16%
- ROE %
- 16.38%
- 47.77%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 38.36%
- Credit-Deposit Ratio %
- 0.07%
- 0.00%
- Net Profit Growth %
- 25.34%
- Book Value Growth %
- 13.95%
- P/E (x)
- 7.28x
- P/B (x)
- 1.14x
- 2.88%
- EPS (₹)
- 40.06
- Book Value (₹)
- 283.29
- Dividend per Share (₹)
- 8.35
- Net Interest Margin %
- 2.76%
- ROA %
- 1.16%
- ROE %
- 15.37%
- 49.21%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.29%
- Slippage Ratio %
- —
- CASA %
- 37.71%
- Credit-Deposit Ratio %
- 0.09%
- 0.00%
- Net Profit Growth %
- 11.13%
- Book Value Growth %
- 22.38%
- P/E (x)
- 5.70x
- P/B (x)
- 0.81x
- 3.66%
- EPS (₹)
- 38.38
- Book Value (₹)
- 320.74
- Dividend per Share (₹)
- 8.50
- Net Interest Margin %
- 2.57%
- ROA %
- 0.98%
- ROE %
- 12.47%
- 51.65%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 93.94%
- Slippage Ratio %
- —
- CASA %
- 37.06%
- Credit-Deposit Ratio %
- 0.10%
- 0.00%
- Net Profit Growth %
- -4.80%
- Book Value Growth %
- 13.22%
- P/E (x)
- 6.45x
- P/B (x)
- 0.77x
- 3.44%
Documents
Announcements
- General Updates
2026-08-19 - Bank Of Baroda has informed the Exchange about disclosure under regulation 30
- General Updates
2026-08-18 - Bank Of Baroda has informed the Exchange about Investor Conference - Outcome
Annual Reports
Nothing filed yet.
Credit Ratings
- Credit Rating
2026-06-29 - Bank Of Baroda has informed the Exchange about Credit Rating
- Credit Rating
2026-06-22 - Bank Of Baroda has informed the Exchange about Credit Rating
- Credit Rating
2026-06-17 - Bank Of Baroda has informed the Exchange about Credit Rating
Concalls
Jul 2026
Jun 2026
May 2026

