Central Bank Of India

31.290.71%

2026-08-21

centralbank.bank.inBSE: 532885NSE: CENTRALBK
Market Cap₹ 27,987 Cr.
Current Price₹ 31
High / Low₹ 41 / 29
Stock P/E6.1
Book Value₹ 41
Price to Book0.81
Dividend Yield3.88 %
ROCE8.3 %
ROE13.2 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail Banking Operations: 44.3% • Treasury Operations: 32.3% • Wholesale Banking Operations: 23.4% • 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.NameCMP Rs.P/EMar Cap Rs.Cr.Div Yld %NP Qtr Rs.Cr.Qtr Profit Var %Sales Qtr Rs.Cr.Qtr Sales Var %ROCE %OPM %
1.SBIN1046.0011.20965522.601.6624579.0413.65136240.498.3612.1652.34
2.UNIONBANK185.506.86141603.382.705368.1729.7727427.101.2114.5769.42
3.PNB117.006.09134467.442.565339.15191.4033589.173.1213.2675.40
4.BANKBARODA244.506.96126439.813.481572.59-53.0835114.526.8411.2033.10
5.INDIANB872.009.19117455.262.093299.4848.7318095.1411.1116.2867.14
6.CANBK128.555.87116603.223.274864.0861.9632957.164.5514.4668.47
7.BANKINDIA141.505.4764420.253.293138.4677.9220096.908.8310.9773.18
8.IOB33.1810.7263893.360.001659.2449.258777.5718.8211.3154.56
9.MAHABANK79.858.1561417.072.7620205.401168.3280346.501039.0216.5368.61
10.UCOBANK25.6913.0532214.131.71652.4324.096744.5915.1011.0054.71
11.CENTRALBK30.926.1327986.933.881328.955.439725.9012.798.2767.83
12.PSB23.210.0016468.851.68331.5123.163213.3710.409.0771.38
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023
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
Sep 2023
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
Dec 2023
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
Mar 2024
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
Jun 2024
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
Sep 2024
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
Dec 2024
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
Mar 2025
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
Jun 2025
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
Sep 2025
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
Dec 2025
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
Mar 2026
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
Jun 2026
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
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 %
Mar 2018
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 %
Mar 2019
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 %
Mar 2020
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 %
Mar 2021
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 %
Mar 2022
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 %
Mar 2023
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 %
Mar 2024
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 %
Mar 2025
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 %
Mar 2026
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 %
TTM
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

Corporate actions

2026

May 8

₹ 0.06

Rs.0.6000 per share(6%)Interim Dividend

2026

Jan 23

₹ 0.02

2025

Oct 27

₹ 0.02

Rs.0.2000 per share(2%)Interim Dividend

2025

Jul 25

₹ 0.02

Rs.0.2000 per share(2%)Interim Dividend

2025

Jul 4

₹ 0.01

Rs.0.1875 per share(1.875%)Final Dividend

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

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
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%
Mar 2018
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%
Mar 2019
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%
Mar 2020
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%
Mar 2021
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%
Mar 2022
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%
Mar 2023
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%
Mar 2024
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%
Mar 2025
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%
Mar 2026
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%

Shareholding Pattern

Numbers in percentages

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

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