Central Bank Of India
•2026-08-21
ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Retail Banking Operations: 44.3% • Treasury Operations: 32.3% • Wholesale Banking Operations: 23.4% • Other Banking Operations: 0.0%
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
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 4.54% | 4.59% | 3.87% | 3.18% | 3.14% | 3.02% | 2.71% | 2.67% | 2.61% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.75% | 0.70% | 0.61% | 0.56% | 0.50% | 0.49% | 0.46% | 0.50% | 0.51% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 96.17% | 96.31% | 96.54% | 96.54% | 97.02% | 96.88% | 96.69% | 95.97% | 95.86% |
| 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.00% | 0.88% | 0.86% | 0.87% | 0.96% | 1.12% | 1.02% | 1.01% | 0.57% | 0.99% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 4.54% | 4.59% | 3.87% | 3.18% | 3.14% | 3.02% | 2.71% | 2.67% | 2.61% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.75% | 0.70% | 0.61% | 0.56% | 0.50% | 0.49% | 0.46% | 0.50% | 0.51% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 96.17% | 96.31% | 96.54% | 96.54% | 97.02% | 96.88% | 96.69% | 95.97% | 95.86% |
| 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.00% | 0.88% | 0.86% | 0.87% | 0.96% | 1.12% | 1.02% | 1.01% | 0.57% | 0.99% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
- 7,259
- Interest Expended
- 4,062
- Net Interest Income
- 3,197
- 959
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 1,038
- Tax %
- 58.77%
- Net Profit
- 0
- EPS
- 1
- 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
- —
- 7,377
- Interest Expended
- 4,338
- Net Interest Income
- 3,039
- 1,062
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 567
- Tax %
- -7.31%
- Net Profit
- 0
- EPS
- 1
- 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
- —
- 7,842
- Interest Expended
- 4,672
- Net Interest Income
- 3,170
- 1,329
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 1,122
- Tax %
- 35.16%
- Net Profit
- 0
- EPS
- 1
- 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
- —
- 8,371
- Interest Expended
- 4,811
- Net Interest Income
- 3,560
- 1,363
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 1,363
- Tax %
- 40.42%
- Net Profit
- 0
- EPS
- 94
- 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
- —
- 8,367
- Interest Expended
- 4,801
- Net Interest Income
- 3,566
- 1,166
- Total Income
- 9,533
- Operating Expenses
- 27,264
- Operating Profit
- 20,055
- Provisions & Contingencies
- 11,934
- Profit before Tax
- 812
- Tax %
- -9.22%
- Net Profit
- 887
- EPS
- 1
- Gross NPA %
- 4.54%
- Net NPA %
- 0.75%
- Provision Coverage %
- 96.17%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.88%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 4.54%
- Net NPA %
- 0.75%
- Provision Coverage %
- 96.17%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.88%
- Branches / ATMs / Employees
- —
- 8,235
- Interest Expended
- 4,807
- Net Interest Income
- 3,429
- 1,649
- Total Income
- 9,884
- Operating Expenses
- 29,018
- Operating Profit
- 21,760
- Provisions & Contingencies
- 5,983
- Profit before Tax
- 1,578
- Tax %
- 41.65%
- Net Profit
- 921
- EPS
- 1
- Gross NPA %
- 4.59%
- Net NPA %
- 0.70%
- Provision Coverage %
- 96.31%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.86%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 4.59%
- Net NPA %
- 0.70%
- Provision Coverage %
- 96.31%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.86%
- Branches / ATMs / Employees
- —
- 8,542
- Interest Expended
- 4,984
- Net Interest Income
- 3,558
- 1,232
- Total Income
- 9,774
- Operating Expenses
- 28,140
- Operating Profit
- 19,767
- Provisions & Contingencies
- 5,590
- Profit before Tax
- 1,418
- Tax %
- 31.71%
- Net Profit
- 968
- EPS
- 1
- Gross NPA %
- 3.87%
- Net NPA %
- 0.61%
- Provision Coverage %
- 96.54%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.87%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 3.87%
- Net NPA %
- 0.61%
- Provision Coverage %
- 96.54%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.87%
- Branches / ATMs / Employees
- —
- 8,653
- Interest Expended
- 5,238
- Net Interest Income
- 3,415
- 1,723
- Total Income
- 10,476
- Operating Expenses
- 32,211
- Operating Profit
- 20,169
- Provisions & Contingencies
- 8,463
- Profit before Tax
- 1,171
- Tax %
- 10.98%
- Net Profit
- 1,042
- EPS
- 1
- Gross NPA %
- 3.18%
- Net NPA %
- 0.56%
- Provision Coverage %
- 96.54%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.96%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 3.18%
- Net NPA %
- 0.56%
- Provision Coverage %
- 96.54%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.96%
- Branches / ATMs / Employees
- —
- 8,623
- Interest Expended
- 5,222
- Net Interest Income
- 3,402
- 1,787
- Total Income
- 10,410
- Operating Expenses
- 28,730
- Operating Profit
- 23,154
- Provisions & Contingencies
- 5,225
- Profit before Tax
- 1,878
- Tax %
- 32.88%
- Net Profit
- 1,260
- EPS
- 1
- Gross NPA %
- 3.14%
- Net NPA %
- 0.50%
- Provision Coverage %
- 97.02%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 1.12%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 3.14%
- Net NPA %
- 0.50%
- Provision Coverage %
- 97.02%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 1.12%
- Branches / ATMs / Employees
- —
- 8,777
- Interest Expended
- 5,476
- Net Interest Income
- 3,301
- 1,507
- Total Income
- 10,284
- Operating Expenses
- 30,122
- Operating Profit
- 17,954
- Provisions & Contingencies
- 3,162
- Profit before Tax
- 1,479
- Tax %
- 17.55%
- Net Profit
- 1,220
- EPS
- 1
- Gross NPA %
- 3.02%
- Net NPA %
- 0.49%
- Provision Coverage %
- 96.88%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 1.02%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 3.02%
- Net NPA %
- 0.49%
- Provision Coverage %
- 96.88%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 1.02%
- Branches / ATMs / Employees
- —
- 9,070
- Interest Expended
- 5,552
- Net Interest Income
- 3,518
- 1,937
- Total Income
- 11,007
- Operating Expenses
- 31,583
- Operating Profit
- 22,969
- Provisions & Contingencies
- 7,046
- Profit before Tax
- 1,592
- Tax %
- 20.56%
- Net Profit
- 1,265
- EPS
- 1
- Gross NPA %
- 2.71%
- Net NPA %
- 0.46%
- Provision Coverage %
- 96.69%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 1.01%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 2.71%
- Net NPA %
- 0.46%
- Provision Coverage %
- 96.69%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 1.01%
- Branches / ATMs / Employees
- —
- 9,698
- Interest Expended
- 5,677
- Net Interest Income
- 4,021
- 1,161
- Total Income
- 10,859
- Operating Expenses
- 30,682
- Operating Profit
- 21,144
- Provisions & Contingencies
- 5,050
- Profit before Tax
- 1,609
- Tax %
- 54.11%
- Net Profit
- 739
- EPS
- 1
- Gross NPA %
- 2.67%
- Net NPA %
- 0.50%
- Provision Coverage %
- 95.97%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.57%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 2.67%
- Net NPA %
- 0.50%
- Provision Coverage %
- 95.97%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.57%
- Branches / ATMs / Employees
- —
- 9,726
- Interest Expended
- 5,794
- Net Interest Income
- 3,932
- 988
- Total Income
- 10,714
- Operating Expenses
- 2,724
- Operating Profit
- 2,196
- Provisions & Contingencies
- 405
- Profit before Tax
- 1,791
- Tax %
- 25.81%
- Net Profit
- 1,329
- EPS
- 0
- Gross NPA %
- 2.61%
- Net NPA %
- 0.51%
- Provision Coverage %
- 95.86%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.99%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 2.61%
- Net NPA %
- 0.51%
- Provision Coverage %
- 95.86%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.99%
- 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 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30 |
| 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 | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
- 0
- Interest Expended
- 18,166
- Net Interest Income
- -18,166
- 2,871
- Total Income
- 0
- 0
- Operating Profit
- -18,166
- 6,767
- Profit before Tax
- -3,532
- Tax %
- 0
- Net Profit
- -2,442
- EPS
- -13
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 17,603
- Net Interest Income
- -17,603
- 2,620
- Total Income
- 0
- 0
- Operating Profit
- -17,603
- 10,393
- Profit before Tax
- -7,887
- Tax %
- 0
- Net Profit
- -5,096
- EPS
- -27
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 15,935
- Net Interest Income
- -15,935
- 2,416
- Total Income
- 0
- 0
- Operating Profit
- -15,935
- 11,474
- Profit before Tax
- -8,156
- Tax %
- 0
- Net Profit
- -5,628
- EPS
- -20
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 16,005
- Net Interest Income
- -16,005
- 3,622
- Total Income
- 0
- 0
- Operating Profit
- -16,005
- 5,325
- Profit before Tax
- -915
- Tax %
- 0
- Net Profit
- -1,127
- EPS
- -3
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 14,543
- Net Interest Income
- -14,543
- 3,111
- Total Income
- 0
- 0
- Operating Profit
- -14,543
- 5,872
- Profit before Tax
- -1,315
- Tax %
- 0
- Net Profit
- -878
- EPS
- -2
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 13,361
- Net Interest Income
- -13,361
- 2,967
- Total Income
- 0
- 0
- Operating Profit
- -13,361
- 3,482
- Profit before Tax
- 1,737
- Tax %
- 0
- Net Profit
- 1,065
- EPS
- 1
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 13,905
- Net Interest Income
- -13,905
- 4,084
- Total Income
- 0
- 0
- Operating Profit
- -13,905
- 4,208
- Profit before Tax
- 2,672
- Tax %
- 0
- Net Profit
- 1,609
- EPS
- 2
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 30,849
- Interest Expended
- 17,882
- Net Interest Income
- 12,967
- 4,713
- Total Income
- 35,562
- 10,275
- Operating Profit
- 7,405
- 4,829
- Profit before Tax
- 2,576
- Tax %
- 0
- Net Profit
- 2,576
- EPS
- 3
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 33,797
- Interest Expended
- 19,830
- Net Interest Income
- 13,968
- 5,658
- Total Income
- 39,456
- 11,451
- Operating Profit
- 8,175
- 4,357
- Profit before Tax
- 3,818
- Tax %
- 0
- Net Profit
- 3,818
- EPS
- 4
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 36,168
- Interest Expended
- 21,926
- Net Interest Income
- 14,242
- 6,415
- Total Income
- 42,583
- 12,050
- Operating Profit
- 8,607
- 4,124
- Profit before Tax
- 4,484
- Tax %
- 0
- Net Profit
- 4,484
- EPS
- 5
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- —
- Interest Expended
- 22,498
- Net Interest Income
- —
- 5,594
- Total Income
- 42,864
- —
- Operating Profit
- —
- —
- Profit before Tax
- 6,472
- Tax %
- 30
- Net Profit
- 4,552
- EPS
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
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:
- -11%
- 5 Years:
- 9%
- 3 Years:
- -3%
- 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 |
| CASA Deposits | 1,03,102 | 1,10,509 | 1,22,139 | 1,30,200 | 1,45,667 | 1,55,965 | 1,62,531 | 1,73,721 | 1,81,761 | 2,00,024 |
| CASA Ratio (%) | 34.68 | 37.42 | 40.67 | 41.44 | 44.10 | 45.45 | 45.18 | 45.06 | 43.98 | 42.70 |
| Credit-Deposit Ratio (%) | 47.25 | 53.32 | 49.09 | 48.36 | 47.65 | 49.26 | 56.67 | 63.39 | 68.60 | 72.20 |
| Contingent Liabilities | 83,368 | 1,19,403 | 86,673 | 56,187 | 92,139 | 1,79,609 | 1,32,708 | 96,300 | 1,43,712 | 2,11,039 |
| Bills for Collection | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,057 | 8,274 | 9,733 |
| Book Value per Share | 75.30 | 57.60 | 39.80 | 32.53 | 30.47 | 27.46 | 29.45 | 32.59 | 36.41 | 38.82 |
| CASA Deposits | 1,03,102 | 1,10,509 | 1,22,139 | 1,30,200 | 1,45,667 | 1,55,965 | 1,62,531 | 1,73,721 | 1,81,761 | 2,00,024 |
| CASA Ratio (%) | 34.68 | 37.42 | 40.67 | 41.44 | 44.10 | 45.45 | 45.18 | 45.06 | 43.98 | 42.70 |
| Credit-Deposit Ratio (%) | 47.25 | 53.32 | 49.09 | 48.36 | 47.65 | 49.26 | 56.67 | 63.39 | 68.60 | 72.20 |
| Contingent Liabilities | 83,368 | 1,19,403 | 86,673 | 56,187 | 92,139 | 1,79,609 | 1,32,708 | 96,300 | 1,43,712 | 2,11,039 |
| Bills for Collection | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,057 | 8,274 | 9,733 |
| Book Value per Share | 75.30 | 57.60 | 39.80 | 32.53 | 30.47 | 27.46 | 29.45 | 32.59 | 36.41 | 38.82 |
- Equity Capital
- 1,902
- 15,626
- 2,97,309
- 9,623
- Other Liabilities & Provisions
- 9,516
- Total Liabilities
- 0
- 75,087
- Balances with Banks & Money at Call
- 3,708
- 0
- 1,40,464
- 4,300
- 18,859
- Total Assets
- 0
- CASA Deposits
- 1,03,102
- CASA Ratio (%)
- 34.68
- Credit-Deposit Ratio (%)
- 47.25
- Contingent Liabilities
- 83,368
- Bills for Collection
- 0
- Book Value per Share
- 75.30
- CASA Deposits
- 1,03,102
- CASA Ratio (%)
- 34.68
- Credit-Deposit Ratio (%)
- 47.25
- Contingent Liabilities
- 83,368
- Bills for Collection
- 0
- Book Value per Share
- 75.30
- Equity Capital
- 2,618
- 15,592
- 2,95,354
- 6,026
- Other Liabilities & Provisions
- 7,719
- Total Liabilities
- 3,27,349
- 36,000
- Balances with Banks & Money at Call
- 3,262
- 1,02,769
- 1,57,480
- 4,353
- 23,485
- Total Assets
- 3,27,349
- CASA Deposits
- 1,10,509
- CASA Ratio (%)
- 37.42
- Credit-Deposit Ratio (%)
- 53.32
- Contingent Liabilities
- 1,19,403
- Bills for Collection
- 0
- Book Value per Share
- 57.60
- CASA Deposits
- 1,10,509
- CASA Ratio (%)
- 37.42
- Credit-Deposit Ratio (%)
- 53.32
- Contingent Liabilities
- 1,19,403
- Bills for Collection
- 0
- Book Value per Share
- 57.60
- Equity Capital
- 4,047
- 15,136
- 3,00,311
- 5,640
- Other Liabilities & Provisions
- 6,494
- Total Liabilities
- 3,31,885
- 20,779
- Balances with Banks & Money at Call
- 10,518
- 1,25,453
- 1,47,425
- 4,320
- 23,389
- Total Assets
- 3,31,885
- CASA Deposits
- 1,22,139
- CASA Ratio (%)
- 40.67
- Credit-Deposit Ratio (%)
- 49.09
- Contingent Liabilities
- 86,673
- Bills for Collection
- 0
- Book Value per Share
- 39.80
- CASA Deposits
- 1,22,139
- CASA Ratio (%)
- 40.67
- Credit-Deposit Ratio (%)
- 49.09
- Contingent Liabilities
- 86,673
- Bills for Collection
- 0
- Book Value per Share
- 39.80
- Equity Capital
- 5,710
- 15,827
- 3,14,201
- 6,076
- Other Liabilities & Provisions
- 15,292
- Total Liabilities
- 3,57,151
- 30,060
- Balances with Banks & Money at Call
- 6,045
- 1,42,526
- 1,51,952
- 4,346
- 22,222
- Total Assets
- 3,57,151
- CASA Deposits
- 1,30,200
- CASA Ratio (%)
- 41.44
- Credit-Deposit Ratio (%)
- 48.36
- Contingent Liabilities
- 56,187
- Bills for Collection
- 0
- Book Value per Share
- 32.53
- CASA Deposits
- 1,30,200
- CASA Ratio (%)
- 41.44
- Credit-Deposit Ratio (%)
- 48.36
- Contingent Liabilities
- 56,187
- Bills for Collection
- 0
- Book Value per Share
- 32.53
- Equity Capital
- 5,876
- 15,821
- 3,30,328
- 5,760
- Other Liabilities & Provisions
- 7,339
- Total Liabilities
- 3,69,974
- 32,188
- Balances with Banks & Money at Call
- 6,766
- 1,48,518
- 1,57,389
- 5,142
- 19,972
- Total Assets
- 3,69,974
- CASA Deposits
- 1,45,667
- CASA Ratio (%)
- 44.10
- Credit-Deposit Ratio (%)
- 47.65
- Contingent Liabilities
- 92,139
- Bills for Collection
- 0
- Book Value per Share
- 30.47
- CASA Deposits
- 1,45,667
- CASA Ratio (%)
- 44.10
- Credit-Deposit Ratio (%)
- 47.65
- Contingent Liabilities
- 92,139
- Bills for Collection
- 0
- Book Value per Share
- 30.47
- Equity Capital
- 8,681
- 18,868
- 3,43,165
- 7,663
- Other Liabilities & Provisions
- 8,857
- Total Liabilities
- 3,87,292
- 38,034
- Balances with Banks & Money at Call
- 15,063
- 1,40,775
- 1,69,042
- 4,964
- 19,415
- Total Assets
- 3,87,292
- CASA Deposits
- 1,55,965
- CASA Ratio (%)
- 45.45
- Credit-Deposit Ratio (%)
- 49.26
- Contingent Liabilities
- 1,79,609
- Bills for Collection
- 0
- Book Value per Share
- 27.46
- CASA Deposits
- 1,55,965
- CASA Ratio (%)
- 45.45
- Credit-Deposit Ratio (%)
- 49.26
- Contingent Liabilities
- 1,79,609
- Bills for Collection
- 0
- Book Value per Share
- 27.46
- Equity Capital
- 8,681
- 20,536
- 3,59,775
- 8,334
- Other Liabilities & Provisions
- 9,687
- Total Liabilities
- 4,07,080
- 27,433
- Balances with Banks & Money at Call
- 16,669
- 1,36,569
- 2,03,893
- 4,786
- 17,730
- Total Assets
- 4,07,080
- CASA Deposits
- 1,62,531
- CASA Ratio (%)
- 45.18
- Credit-Deposit Ratio (%)
- 56.67
- Contingent Liabilities
- 1,32,708
- Bills for Collection
- 0
- Book Value per Share
- 29.45
- CASA Deposits
- 1,62,531
- CASA Ratio (%)
- 45.18
- Credit-Deposit Ratio (%)
- 56.67
- Contingent Liabilities
- 1,32,708
- Bills for Collection
- 0
- Book Value per Share
- 29.45
- Equity Capital
- 8,681
- 23,693
- 3,85,541
- 20,013
- Other Liabilities & Provisions
- 9,767
- Total Liabilities
- 45
- 22,955
- Balances with Banks & Money at Call
- 14,653
- 1,44,010
- 2,44,399
- 5,345
- 16,409
- Total Assets
- 45
- CASA Deposits
- 1,73,721
- CASA Ratio (%)
- 45.06
- Credit-Deposit Ratio (%)
- 63.39
- Contingent Liabilities
- 96,300
- Bills for Collection
- 10,057
- Book Value per Share
- 32.59
- CASA Deposits
- 1,73,721
- CASA Ratio (%)
- 45.06
- Credit-Deposit Ratio (%)
- 63.39
- Contingent Liabilities
- 96,300
- Bills for Collection
- 10,057
- Book Value per Share
- 32.59
- Equity Capital
- 9,051
- 27,830
- 4,13,271
- 21,820
- Other Liabilities & Provisions
- 8,400
- Total Liabilities
- 48
- 22,931
- Balances with Banks & Money at Call
- 13,266
- 1,41,652
- 2,83,505
- 5,214
- 13,888
- Total Assets
- 48
- CASA Deposits
- 1,81,761
- CASA Ratio (%)
- 43.98
- Credit-Deposit Ratio (%)
- 68.60
- Contingent Liabilities
- 1,43,712
- Bills for Collection
- 8,274
- Book Value per Share
- 36.41
- CASA Deposits
- 1,81,761
- CASA Ratio (%)
- 43.98
- Credit-Deposit Ratio (%)
- 68.60
- Contingent Liabilities
- 1,43,712
- Bills for Collection
- 8,274
- Book Value per Share
- 36.41
- Equity Capital
- 9,051
- 29,950
- 4,68,444
- 31,854
- Other Liabilities & Provisions
- 11,688
- Total Liabilities
- 55
- 18,953
- Balances with Banks & Money at Call
- 18,882
- 1,57,607
- 3,38,209
- 5,202
- 12,227
- Total Assets
- 55
- CASA Deposits
- 2,00,024
- CASA Ratio (%)
- 42.70
- Credit-Deposit Ratio (%)
- 72.20
- Contingent Liabilities
- 2,11,039
- Bills for Collection
- 9,733
- Book Value per Share
- 38.82
- CASA Deposits
- 2,00,024
- CASA Ratio (%)
- 42.70
- Credit-Deposit Ratio (%)
- 72.20
- Contingent Liabilities
- 2,11,039
- Bills for Collection
- 9,733
- Book Value per Share
- 38.82
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 |
- 61,871
- Cash from Investing
- -189
- Cash from Financing
- 1,543
- 63,225
- -44,376
- Cash from Investing
- -310
- Cash from Financing
- 5,154
- -39,533
- -14,510
- Cash from Investing
- -251
- Cash from Financing
- 6,796
- -7,965
- 1,726
- Cash from Investing
- -315
- Cash from Financing
- 3,396
- 4,807
- -2,003
- Cash from Investing
- -202
- Cash from Financing
- 5,055
- 2,849
- 14,277
- Cash from Investing
- -133
- Cash from Financing
- 0
- 14,143
- -8,786
- Cash from Investing
- -209
- Cash from Financing
- 0
- -8,995
- -5,910
- Cash from Investing
- -584
- Cash from Financing
- 0
- -6,494
- -2,460
- Cash from Investing
- -451
- Cash from Financing
- 1,500
- -1,410
- 2,804
- Cash from Investing
- -454
- Cash from Financing
- -713
- 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% |
- EPS (₹)
- -12.93
- Book Value (₹)
- 75.30
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- -1.59%
- ROE %
- -16.84%
- 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 %
- -73.66%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- -19.63
- Book Value (₹)
- 57.60
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- -3.11%
- ROE %
- -34.66%
- 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 %
- -108.67%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- -13.88
- Book Value (₹)
- 39.80
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- -1.71%
- ROE %
- -36.09%
- 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 %
- -10.44%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- -2.20
- Book Value (₹)
- 32.53
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- -0.33%
- ROE %
- -6.50%
- 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 %
- 79.97%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- -1.70
- Book Value (₹)
- 30.47
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- -0.24%
- ROE %
- -4.82%
- 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 %
- 22.07%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 1.24
- Book Value (₹)
- 27.46
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- 0.28%
- ROE %
- 5.10%
- 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 %
- 221.17%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 1.93
- Book Value (₹)
- 29.45
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 0.00%
- ROA %
- 0.41%
- ROE %
- 6.52%
- 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 %
- 51.18%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 3.07
- Book Value (₹)
- 32.59
- Dividend per Share (₹)
- 0.00
- Net Interest Margin %
- 3.04%
- ROA %
- 0.60%
- ROE %
- 9.57%
- 58.12%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 49.97%
- Credit-Deposit Ratio %
- 0.05%
- 0.00%
- Net Profit Growth %
- 60.07%
- Book Value Growth %
- 10.65%
- P/E (x)
- 19.45x
- P/B (x)
- 1.83x
- 0.00%
- EPS (₹)
- 4.35
- Book Value (₹)
- 36.41
- Dividend per Share (₹)
- 0.19
- Net Interest Margin %
- 3.03%
- ROA %
- 0.82%
- ROE %
- 12.47%
- 58.35%
- Gross NPA %
- 3.18%
- Net NPA %
- 0.56%
- Provision Coverage %
- 96.54%
- Slippage Ratio %
- —
- CASA %
- 48.90%
- Credit-Deposit Ratio %
- 0.05%
- 0.00%
- Net Profit Growth %
- 48.21%
- Book Value Growth %
- 11.74%
- P/E (x)
- 9.82x
- P/B (x)
- 1.17x
- 0.44%
- EPS (₹)
- 5.00
- Book Value (₹)
- 38.82
- Dividend per Share (₹)
- 1.20
- Net Interest Margin %
- 2.67%
- ROA %
- 0.87%
- ROE %
- 13.17%
- 58.33%
- Gross NPA %
- 2.67%
- Net NPA %
- 0.50%
- Provision Coverage %
- 95.97%
- Slippage Ratio %
- —
- CASA %
- 47.30%
- Credit-Deposit Ratio %
- 0.07%
- 0.00%
- Net Profit Growth %
- 17.44%
- Book Value Growth %
- 6.62%
- P/E (x)
- 6.29x
- P/B (x)
- 0.81x
- 3.82%
Documents
Announcements
- General Updates
2026-08-20 - Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 20th August, 2026
- Credit Rating- Revision
2026-08-04 - Central Bank of India has informed the Exchange about Credit Rating- Revision
Annual Reports
Nothing filed yet.
Credit Ratings
- Credit Rating- Revision
2026-08-04 - Central Bank of India has informed the Exchange about Credit Rating- Revision
- Credit Rating- New
2026-06-18 - Central Bank of India has informed the Exchange about Credit Rating from CARE Ratings Limited
- Credit Rating- Revision
2026-06-05 - Central Bank of India has informed the Exchange about Credit Rating- Revision
Concalls
Jul 2026
May 2026
Apr 2026

