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/E0.0
Book Value₹ 40
Price to Book0.82
Dividend Yield3.88 %
ROCE11.4 %
ROE13.0 %
Face Value₹ 10

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ABOUT

KEY POINTS

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

PROS

  • Comfortable capital adequacy - CAR of 17.9%
  • Strong provisioning - provision coverage ratio of 95.9%
  • Healthy loan book growth of 19.3% with stable asset quality
  • Strong low-cost deposit base - CASA ratio of 47.4%
  • Institutional investors have been accumulating - FII+DII up 5.8pp
  • Stock looks reasonably valued - P/E of 6.5 is below its historical median

CONS

  • A large part of profit comes from other income (98.2% of PBT)
  • Promoter holding has decreased over last 2 years: -11.9pp
  • Weak return ratios for a lender: 3Y avg ROA 0.8%
  • Operating margins have contracted to 23.5% from 27.0%

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

Peer comparison

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

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023
7,225
Interest Expended
4,049
Net Interest Income
3,176
959
Total Income
0
Operating Expenses
2,297
Operating Profit
1,838
Provisions & Contingencies
813
Profit before Tax
1,025
Tax %
59.18%
Net Profit
418
EPS
0
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
7,351
Interest Expended
4,323
Net Interest Income
3,028
1,061
Total Income
0
Operating Expenses
2,559
Operating Profit
1,530
Provisions & Contingencies
967
Profit before Tax
563
Tax %
-7.52%
Net Profit
605
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
7,809
Interest Expended
4,657
Net Interest Income
3,152
1,330
Total Income
0
Operating Expenses
2,551
Operating Profit
1,931
Provisions & Contingencies
822
Profit before Tax
1,109
Tax %
35.27%
Net Profit
718
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
8,337
Interest Expended
4,796
Net Interest Income
3,541
1,362
Total Income
0
Operating Expenses
2,839
Operating Profit
2,063
Provisions & Contingencies
707
Profit before Tax
1,356
Tax %
40.47%
Net Profit
807
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
Jun 2024
8,335
Interest Expended
4,787
Net Interest Income
3,548
1,165
Total Income
9,533
Operating Expenses
2,720
Operating Profit
1,993
Provisions & Contingencies
1,191
Profit before Tax
802
Tax %
-9.68%
Net Profit
880
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
8,203
Interest Expended
4,792
Net Interest Income
3,410
1,647
Total Income
9,884
Operating Expenses
2,892
Operating Profit
2,165
Provisions & Contingencies
598
Profit before Tax
1,567
Tax %
41.74%
Net Profit
913
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
8,509
Interest Expended
4,969
Net Interest Income
3,540
1,229
Total Income
9,774
Operating Expenses
2,806
Operating Profit
1,963
Provisions & Contingencies
557
Profit before Tax
1,407
Tax %
31.83%
Net Profit
959
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
8,619
Interest Expended
5,220
Net Interest Income
3,399
1,714
Total Income
10,476
Operating Expenses
3,110
Operating Profit
2,003
Provisions & Contingencies
844
Profit before Tax
1,158
Tax %
10.78%
Net Profit
1,034
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
8,589
Interest Expended
5,205
Net Interest Income
3,383
1,786
Total Income
10,410
Operating Expenses
2,865
Operating Profit
2,304
Provisions & Contingencies
521
Profit before Tax
1,783
Tax %
34.45%
Net Profit
1,169
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
8,743
Interest Expended
5,460
Net Interest Income
3,283
1,507
Total Income
10,284
Operating Expenses
3,004
Operating Profit
1,786
Provisions & Contingencies
314
Profit before Tax
1,471
Tax %
17.57%
Net Profit
1,213
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
9,033
Interest Expended
5,531
Net Interest Income
3,502
1,935
Total Income
11,007
Operating Expenses
3,145
Operating Profit
2,292
Provisions & Contingencies
704
Profit before Tax
1,588
Tax %
20.50%
Net Profit
1,263
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
9,661
Interest Expended
5,659
Net Interest Income
4,002
1,150
Total Income
10,859
Operating Expenses
3,056
Operating Profit
2,096
Provisions & Contingencies
504
Profit before Tax
1,592
Tax %
54.49%
Net Profit
724
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
9,691
Interest Expended
5,777
Net Interest Income
3,914
987
Total Income
10,678
Operating Expenses
2,715
Operating Profit
2,186
Provisions & Contingencies
402
Profit before Tax
1,784
Tax %
25.82%
Net Profit
1,324
EPS
0
Gross NPA %
2.60%
Net NPA %
0.49%
Provision Coverage %
95.86%
NIM %
3.06%
CASA %
46.61%
Capital Adequacy %
18.28%
Return on Assets %
1.00%
Branches / ATMs / Employees
Gross NPA %
2.60%
Net NPA %
0.49%
Provision Coverage %
95.86%
NIM %
3.06%
CASA %
46.61%
Capital Adequacy %
18.28%
Return on Assets %
1.00%
Branches / ATMs / Employees

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017
0
Interest Expended
18,087
Net Interest Income
-18,087
2,876
Total Income
0
0
Operating Profit
-18,087
6,767
Profit before Tax
-3,529
Tax %
0
Net Profit
-2,439
EPS
-13
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2018
0
Interest Expended
17,519
Net Interest Income
-17,519
2,622
Total Income
0
0
Operating Profit
-17,519
10,393
Profit before Tax
-7,896
Tax %
0
Net Profit
-5,105
EPS
-26
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2019
0
Interest Expended
15,866
Net Interest Income
-15,866
2,413
Total Income
0
0
Operating Profit
-15,866
11,474
Profit before Tax
-8,170
Tax %
0
Net Profit
-5,641
EPS
-20
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2020
0
Interest Expended
15,934
Net Interest Income
-15,934
3,637
Total Income
0
0
Operating Profit
-15,934
5,308
Profit before Tax
-909
Tax %
0
Net Profit
-1,121
EPS
-2
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2021
0
Interest Expended
14,485
Net Interest Income
-14,485
3,116
Total Income
0
0
Operating Profit
-14,485
5,872
Profit before Tax
-1,324
Tax %
0
Net Profit
-888
EPS
-2
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2022
0
Interest Expended
13,315
Net Interest Income
-13,315
2,968
Total Income
0
0
Operating Profit
-13,315
3,482
Profit before Tax
1,717
Tax %
0
Net Profit
1,045
EPS
1
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2023
0
Interest Expended
13,855
Net Interest Income
-13,855
4,084
Total Income
0
0
Operating Profit
-13,855
4,208
Profit before Tax
2,645
Tax %
0
Net Profit
1,582
EPS
2
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2024
30,722
Interest Expended
17,826
Net Interest Income
12,896
4,711
Total Income
35,434
10,245
Operating Profit
7,363
3,309
Profit before Tax
4,053
Tax %
37
Net Profit
2,549
EPS
3
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2025
33,666
Interest Expended
19,769
Net Interest Income
13,897
5,642
Total Income
39,308
11,415
Operating Profit
8,124
3,190
Profit before Tax
4,934
Tax %
23
Net Profit
3,785
EPS
4
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2026
36,026
Interest Expended
21,855
Net Interest Income
14,170
6,316
Total Income
42,341
12,008
Operating Profit
8,478
2,044
Profit before Tax
6,434
Tax %
32
Net Profit
4,369
EPS
5
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
TTM
Interest Expended
22,427
Net Interest Income
5,579
Total Income
42,828
Operating Profit
Profit before Tax
6,436
Tax %
30
Net Profit
4,524
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:
40%

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

Standalone Figures in Rs. Crores / View Consolidated

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
15,366
2,96,671
9,282
Other Liabilities & Provisions
9,497
Total Liabilities
0
75,087
Balances with Banks & Money at Call
3,680
0
1,39,399
4,290
18,851
Total Assets
0
CASA Deposits
1,03,102
CASA Ratio (%)
34.75
Credit-Deposit Ratio (%)
46.99
Contingent Liabilities
83,363
Bills for Collection
0
Book Value per Share
73.93
CASA Deposits
1,03,102
CASA Ratio (%)
34.75
Credit-Deposit Ratio (%)
46.99
Contingent Liabilities
83,363
Bills for Collection
0
Book Value per Share
73.93
Mar 2018
Equity Capital
2,618
15,367
2,94,839
5,706
Other Liabilities & Provisions
7,695
Total Liabilities
3,26,225
36,000
Balances with Banks & Money at Call
3,229
1,02,632
1,56,542
4,343
23,480
Total Assets
3,26,225
CASA Deposits
1,10,509
CASA Ratio (%)
37.48
Credit-Deposit Ratio (%)
53.09
Contingent Liabilities
1,19,398
Bills for Collection
0
Book Value per Share
56.74
CASA Deposits
1,10,509
CASA Ratio (%)
37.48
Credit-Deposit Ratio (%)
53.09
Contingent Liabilities
1,19,398
Bills for Collection
0
Book Value per Share
56.74
Mar 2019
Equity Capital
4,047
14,888
2,99,855
5,239
Other Liabilities & Provisions
6,476
Total Liabilities
3,30,718
20,779
Balances with Banks & Money at Call
10,421
1,25,298
1,46,525
4,310
23,384
Total Assets
3,30,718
CASA Deposits
1,22,139
CASA Ratio (%)
40.73
Credit-Deposit Ratio (%)
48.87
Contingent Liabilities
86,668
Bills for Collection
0
Book Value per Share
39.19
CASA Deposits
1,22,139
CASA Ratio (%)
40.73
Credit-Deposit Ratio (%)
48.87
Contingent Liabilities
86,668
Bills for Collection
0
Book Value per Share
39.19
Mar 2020
Equity Capital
5,710
15,720
3,13,763
5,787
Other Liabilities & Provisions
15,269
Total Liabilities
3,56,249
30,060
Balances with Banks & Money at Call
6,017
1,42,518
1,51,101
4,336
22,217
Total Assets
3,56,249
CASA Deposits
1,30,200
CASA Ratio (%)
41.50
Credit-Deposit Ratio (%)
48.16
Contingent Liabilities
56,185
Bills for Collection
0
Book Value per Share
32.34
CASA Deposits
1,30,200
CASA Ratio (%)
41.50
Credit-Deposit Ratio (%)
48.16
Contingent Liabilities
56,185
Bills for Collection
0
Book Value per Share
32.34
Mar 2021
Equity Capital
5,876
15,830
3,29,973
5,469
Other Liabilities & Provisions
7,268
Total Liabilities
3,69,215
32,188
Balances with Banks & Money at Call
6,763
1,48,582
1,56,579
5,132
19,970
Total Assets
3,69,215
CASA Deposits
1,45,667
CASA Ratio (%)
44.15
Credit-Deposit Ratio (%)
47.45
Contingent Liabilities
92,139
Bills for Collection
0
Book Value per Share
30.49
CASA Deposits
1,45,667
CASA Ratio (%)
44.15
Credit-Deposit Ratio (%)
47.45
Contingent Liabilities
92,139
Bills for Collection
0
Book Value per Share
30.49
Mar 2022
Equity Capital
8,681
18,846
3,42,692
7,474
Other Liabilities & Provisions
8,729
Total Liabilities
3,86,423
38,034
Balances with Banks & Money at Call
15,061
1,40,787
1,68,174
4,955
19,413
Total Assets
3,86,423
CASA Deposits
1,55,965
CASA Ratio (%)
45.51
Credit-Deposit Ratio (%)
49.07
Contingent Liabilities
1,79,598
Bills for Collection
0
Book Value per Share
27.43
CASA Deposits
1,55,965
CASA Ratio (%)
45.51
Credit-Deposit Ratio (%)
49.07
Contingent Liabilities
1,79,598
Bills for Collection
0
Book Value per Share
27.43
Mar 2023
Equity Capital
8,681
20,428
3,59,296
8,119
Other Liabilities & Provisions
9,641
Total Liabilities
4,06,165
27,433
Balances with Banks & Money at Call
16,667
1,36,583
2,02,984
4,776
17,722
Total Assets
4,06,165
CASA Deposits
1,62,531
CASA Ratio (%)
45.24
Credit-Deposit Ratio (%)
56.49
Contingent Liabilities
1,32,696
Bills for Collection
0
Book Value per Share
29.33
CASA Deposits
1,62,531
CASA Ratio (%)
45.24
Credit-Deposit Ratio (%)
56.49
Contingent Liabilities
1,32,696
Bills for Collection
0
Book Value per Share
29.33
Mar 2024
Equity Capital
8,681
23,467
3,85,011
19,806
Other Liabilities & Provisions
9,708
Total Liabilities
45
22,955
Balances with Banks & Money at Call
14,653
1,43,923
2,43,406
5,336
16,400
Total Assets
45
CASA Deposits
1,73,721
CASA Ratio (%)
45.12
Credit-Deposit Ratio (%)
63.22
Contingent Liabilities
96,291
Bills for Collection
10,057
Book Value per Share
32.33
CASA Deposits
1,73,721
CASA Ratio (%)
45.12
Credit-Deposit Ratio (%)
63.22
Contingent Liabilities
96,291
Bills for Collection
10,057
Book Value per Share
32.33
Mar 2025
Equity Capital
9,051
27,455
4,12,697
21,592
Other Liabilities & Provisions
8,333
Total Liabilities
48
22,931
Balances with Banks & Money at Call
13,266
1,41,435
2,82,420
5,204
13,872
Total Assets
48
CASA Deposits
1,81,761
CASA Ratio (%)
44.04
Credit-Deposit Ratio (%)
68.43
Contingent Liabilities
1,43,701
Bills for Collection
8,274
Book Value per Share
36.00
CASA Deposits
1,81,761
CASA Ratio (%)
44.04
Credit-Deposit Ratio (%)
68.43
Contingent Liabilities
1,43,701
Bills for Collection
8,274
Book Value per Share
36.00
Mar 2026
Equity Capital
9,051
29,419
4,67,922
31,481
Other Liabilities & Provisions
11,606
Total Liabilities
55
18,953
Balances with Banks & Money at Call
18,882
1,57,320
3,36,997
5,125
12,203
Total Assets
55
CASA Deposits
2,00,024
CASA Ratio (%)
42.75
Credit-Deposit Ratio (%)
72.02
Contingent Liabilities
2,11,029
Bills for Collection
9,733
Book Value per Share
38.24
CASA Deposits
2,00,024
CASA Ratio (%)
42.75
Credit-Deposit Ratio (%)
72.02
Contingent Liabilities
2,11,029
Bills for Collection
9,733
Book Value per Share
38.24

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

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

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017
EPS (₹)
-12.82
Book Value (₹)
73.93
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
-1.60%
ROE %
-17.15%
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 %
-71.99%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2018
EPS (₹)
-19.50
Book Value (₹)
56.74
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
-3.13%
ROE %
-35.31%
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 %
-109.29%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2019
EPS (₹)
-13.94
Book Value (₹)
39.19
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
-1.72%
ROE %
-36.73%
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 %
-10.51%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2020
EPS (₹)
-1.96
Book Value (₹)
32.34
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
-0.33%
ROE %
-6.53%
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 %
80.12%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2021
EPS (₹)
-1.51
Book Value (₹)
30.49
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
-0.24%
ROE %
-4.88%
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 %
20.85%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2022
EPS (₹)
1.20
Book Value (₹)
27.43
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
0.28%
ROE %
5.01%
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 %
217.72%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2023
EPS (₹)
1.82
Book Value (₹)
29.33
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
0.40%
ROE %
6.42%
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 %
51.43%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2024
EPS (₹)
2.94
Book Value (₹)
32.33
Dividend per Share (₹)
0.00
Net Interest Margin %
3.03%
ROA %
0.60%
ROE %
9.53%
58.18%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
50.05%
Credit-Deposit Ratio %
0.05%
15.08%
Net Profit Growth %
61.11%
Book Value Growth %
10.23%
P/E (x)
20.36x
P/B (x)
1.85x
0.00%
Mar 2025
EPS (₹)
4.18
Book Value (₹)
36.00
Dividend per Share (₹)
0.19
Net Interest Margin %
3.02%
ROA %
0.82%
ROE %
12.48%
58.42%
Gross NPA %
3.18%
Net NPA %
0.56%
Provision Coverage %
96.54%
Slippage Ratio %
CASA %
48.97%
Credit-Deposit Ratio %
0.05%
17.02%
Net Profit Growth %
48.50%
Book Value Growth %
11.36%
P/E (x)
10.21x
P/B (x)
1.19x
0.44%
Mar 2026
EPS (₹)
4.83
Book Value (₹)
38.24
Dividend per Share (₹)
1.20
Net Interest Margin %
2.66%
ROA %
0.85%
ROE %
13.00%
58.61%
Gross NPA %
2.67%
Net NPA %
0.50%
Provision Coverage %
95.97%
Slippage Ratio %
CASA %
47.36%
Credit-Deposit Ratio %
0.07%
17.91%
Net Profit Growth %
15.41%
Book Value Growth %
6.22%
P/E (x)
6.52x
P/B (x)
0.82x
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