Central Bank Of India
•2026-08-21
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. | 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
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7,225 | 7,351 | 7,809 | 8,337 | 8,335 | 8,203 | 8,509 | 8,619 | 8,589 | 8,743 | 9,033 | 9,661 | 9,691 | |
| Interest Expended | 4,049 | 4,323 | 4,657 | 4,796 | 4,787 | 4,792 | 4,969 | 5,220 | 5,205 | 5,460 | 5,531 | 5,659 | 5,777 |
| Net Interest Income | 3,176 | 3,028 | 3,152 | 3,541 | 3,548 | 3,410 | 3,540 | 3,399 | 3,383 | 3,283 | 3,502 | 4,002 | 3,914 |
| 959 | 1,061 | 1,330 | 1,362 | 1,165 | 1,647 | 1,229 | 1,714 | 1,786 | 1,507 | 1,935 | 1,150 | 987 | |
| Total Income | 0 | 0 | 0 | 0 | 9,533 | 9,884 | 9,774 | 10,476 | 10,410 | 10,284 | 11,007 | 10,859 | 10,678 |
| Operating Expenses | 2,297 | 2,559 | 2,551 | 2,839 | 2,720 | 2,892 | 2,806 | 3,110 | 2,865 | 3,004 | 3,145 | 3,056 | 2,715 |
| Operating Profit | 1,838 | 1,530 | 1,931 | 2,063 | 1,993 | 2,165 | 1,963 | 2,003 | 2,304 | 1,786 | 2,292 | 2,096 | 2,186 |
| Provisions & Contingencies | 813 | 967 | 822 | 707 | 1,191 | 598 | 557 | 844 | 521 | 314 | 704 | 504 | 402 |
| Profit before Tax | 1,025 | 563 | 1,109 | 1,356 | 802 | 1,567 | 1,407 | 1,158 | 1,783 | 1,471 | 1,588 | 1,592 | 1,784 |
| Tax % | 59.18% | -7.52% | 35.27% | 40.47% | -9.68% | 41.74% | 31.83% | 10.78% | 34.45% | 17.57% | 20.50% | 54.49% | 25.82% |
| Net Profit | 418 | 605 | 718 | 807 | 880 | 913 | 959 | 1,034 | 1,169 | 1,213 | 1,263 | 724 | 1,324 |
| EPS | 0 | 1 | 1 | 1 | 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% | 2.60% |
| 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% | 0.49% |
| 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% | 3.06% |
| 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% | 46.61% |
| 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% | 18.28% |
| 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% | 1.00% |
| 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% | 2.60% |
| 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% | 0.49% |
| 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% | 3.06% |
| 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% | 46.61% |
| 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% | 18.28% |
| 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% | 1.00% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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
- —
- 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 | 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 | 30,722 | 33,666 | 36,026 | — | |
| Interest Expended | 18,087 | 17,519 | 15,866 | 15,934 | 14,485 | 13,315 | 13,855 | 17,826 | 19,769 | 21,855 | 22,427 |
| Net Interest Income | -18,087 | -17,519 | -15,866 | -15,934 | -14,485 | -13,315 | -13,855 | 12,896 | 13,897 | 14,170 | — |
| 2,876 | 2,622 | 2,413 | 3,637 | 3,116 | 2,968 | 4,084 | 4,711 | 5,642 | 6,316 | 5,579 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35,434 | 39,308 | 42,341 | 42,828 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,245 | 11,415 | 12,008 | — | |
| Operating Profit | -18,087 | -17,519 | -15,866 | -15,934 | -14,485 | -13,315 | -13,855 | 7,363 | 8,124 | 8,478 | — |
| 6,767 | 10,393 | 11,474 | 5,308 | 5,872 | 3,482 | 4,208 | 3,309 | 3,190 | 2,044 | — | |
| Profit before Tax | -3,529 | -7,896 | -8,170 | -909 | -1,324 | 1,717 | 2,645 | 4,053 | 4,934 | 6,434 | 6,436 |
| Tax % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 37 | 23 | 32 | 30 |
| Net Profit | -2,439 | -5,105 | -5,641 | -1,121 | -888 | 1,045 | 1,582 | 2,549 | 3,785 | 4,369 | 4,524 |
| EPS | -13 | -26 | -20 | -2 | -2 | 1 | 2 | 3 | 4 | 5 | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- 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 %
- —
- —
- 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
| 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 |
| 15,366 | 15,367 | 14,888 | 15,720 | 15,830 | 18,846 | 20,428 | 23,467 | 27,455 | 29,419 | |
| 2,96,671 | 2,94,839 | 2,99,855 | 3,13,763 | 3,29,973 | 3,42,692 | 3,59,296 | 3,85,011 | 4,12,697 | 4,67,922 | |
| 9,282 | 5,706 | 5,239 | 5,787 | 5,469 | 7,474 | 8,119 | 19,806 | 21,592 | 31,481 | |
| Other Liabilities & Provisions | 9,497 | 7,695 | 6,476 | 15,269 | 7,268 | 8,729 | 9,641 | 9,708 | 8,333 | 11,606 |
| Total Liabilities | 0 | 3,26,225 | 3,30,718 | 3,56,249 | 3,69,215 | 3,86,423 | 4,06,165 | 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 | 3,680 | 3,229 | 10,421 | 6,017 | 6,763 | 15,061 | 16,667 | 14,653 | 13,266 | 18,882 |
| 0 | 1,02,632 | 1,25,298 | 1,42,518 | 1,48,582 | 1,40,787 | 1,36,583 | 1,43,923 | 1,41,435 | 1,57,320 | |
| 1,39,399 | 1,56,542 | 1,46,525 | 1,51,101 | 1,56,579 | 1,68,174 | 2,02,984 | 2,43,406 | 2,82,420 | 3,36,997 | |
| 4,290 | 4,343 | 4,310 | 4,336 | 5,132 | 4,955 | 4,776 | 5,336 | 5,204 | 5,125 | |
| 18,851 | 23,480 | 23,384 | 22,217 | 19,970 | 19,413 | 17,722 | 16,400 | 13,872 | 12,203 | |
| Total Assets | 0 | 3,26,225 | 3,30,718 | 3,56,249 | 3,69,215 | 3,86,423 | 4,06,165 | 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 (%) | 34.75 | 37.48 | 40.73 | 41.50 | 44.15 | 45.51 | 45.24 | 45.12 | 44.04 | 42.75 |
| Credit-Deposit Ratio (%) | 46.99 | 53.09 | 48.87 | 48.16 | 47.45 | 49.07 | 56.49 | 63.22 | 68.43 | 72.02 |
| Contingent Liabilities | 83,363 | 1,19,398 | 86,668 | 56,185 | 92,139 | 1,79,598 | 1,32,696 | 96,291 | 1,43,701 | 2,11,029 |
| Bills for Collection | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,057 | 8,274 | 9,733 |
| Book Value per Share | 73.93 | 56.74 | 39.19 | 32.34 | 30.49 | 27.43 | 29.33 | 32.33 | 36.00 | 38.24 |
| 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 (%) | 34.75 | 37.48 | 40.73 | 41.50 | 44.15 | 45.51 | 45.24 | 45.12 | 44.04 | 42.75 |
| Credit-Deposit Ratio (%) | 46.99 | 53.09 | 48.87 | 48.16 | 47.45 | 49.07 | 56.49 | 63.22 | 68.43 | 72.02 |
| Contingent Liabilities | 83,363 | 1,19,398 | 86,668 | 56,185 | 92,139 | 1,79,598 | 1,32,696 | 96,291 | 1,43,701 | 2,11,029 |
| Bills for Collection | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,057 | 8,274 | 9,733 |
| Book Value per Share | 73.93 | 56.74 | 39.19 | 32.34 | 30.49 | 27.43 | 29.33 | 32.33 | 36.00 | 38.24 |
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 61,847 | -44,396 | -14,588 | 1,771 | -1,987 | 14,268 | -8,794 | -5,916 | -2,469 | 2,786 | |
| Cash from Investing | -176 | -300 | -245 | -297 | -194 | -125 | -200 | -576 | -442 | -436 |
| Cash from Financing | 1,554 | 5,158 | 6,805 | 3,403 | 5,055 | 0 | 0 | 0 | 1,500 | -713 |
| 63,225 | -39,538 | -8,028 | 4,877 | 2,874 | 14,143 | -8,995 | -6,492 | -1,411 | 1,638 |
- 61,847
- Cash from Investing
- -176
- Cash from Financing
- 1,554
- 63,225
- -44,396
- Cash from Investing
- -300
- Cash from Financing
- 5,158
- -39,538
- -14,588
- Cash from Investing
- -245
- Cash from Financing
- 6,805
- -8,028
- 1,771
- Cash from Investing
- -297
- Cash from Financing
- 3,403
- 4,877
- -1,987
- Cash from Investing
- -194
- Cash from Financing
- 5,055
- 2,874
- 14,268
- Cash from Investing
- -125
- Cash from Financing
- 0
- 14,143
- -8,794
- Cash from Investing
- -200
- Cash from Financing
- 0
- -8,995
- -5,916
- Cash from Investing
- -576
- Cash from Financing
- 0
- -6,492
- -2,469
- Cash from Investing
- -442
- Cash from Financing
- 1,500
- -1,411
- 2,786
- Cash from Investing
- -436
- Cash from Financing
- -713
- 1,638
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | -12.82 | -19.50 | -13.94 | -1.96 | -1.51 | 1.20 | 1.82 | 2.94 | 4.18 | 4.83 |
| Book Value (₹) | 73.93 | 56.74 | 39.19 | 32.34 | 30.49 | 27.43 | 29.33 | 32.33 | 36.00 | 38.24 |
| 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% | 3.03% | 3.02% | 2.66% |
| ROA % | -1.60% | -3.13% | -1.72% | -0.33% | -0.24% | 0.28% | 0.40% | 0.60% | 0.82% | 0.85% |
| ROE % | -17.15% | -35.31% | -36.73% | -6.53% | -4.88% | 5.01% | 6.42% | 9.53% | 12.48% | 13.00% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 58.18% | 58.42% | 58.61% | |
| 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% | 50.05% | 48.97% | 47.36% |
| 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% | 15.08% | 17.02% | 17.91% | |
| GROWTH & VALUATION | - | - | - | - | - | - | - | - | - | - |
| Net Profit Growth % | -71.99% | -109.29% | -10.51% | 80.12% | 20.85% | 217.72% | 51.43% | 61.11% | 48.50% | 15.41% |
| Book Value Growth % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 10.23% | 11.36% | 6.22% |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 20.36x | 10.21x | 6.52x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.85x | 1.19x | 0.82x |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.44% | 3.82% |
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
- 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%
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

