Bank of India

BANKINDIA

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Market Cap

₹ 64,557 Cr

P/E

6.44

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Performance

STEADY PERFORMER

Valuation

UNDERVALUED

Growth

STABLE

Profitability

LOW MARGIN

Technicals

Bullish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Bank of India is a state-owned commercial bank headquartered in Mumbai offering a wide range of services, including corporate and retail banking, tailored solutions for NRIs, and foreign exchange operations.

The bank reported significant growth in its global business for the September quarter of fiscal 2026, with a year-on-year increase in gross advances and deposits by 11.83% and 10.08%, respectively.

Bank of India is aggressively expanding its branch network, having opened 211 new branches during the fiscal year 2024-25, asserting its market presence and service capabilities.

The bank launched several digital initiatives, including AI-driven learning tools and robust digital financial services, underlining a commitment to technological advancement and customer-centric solutions.

Improvements in asset quality were evidenced by reduced Gross NPA and increased provision coverage ratios, reflecting effective risk management strategies.

Sector

Banks

Industry

Banks - Public Sector

Market Cap

64,557 Cr

Volatility

Moderate Risk

P/E Ratio

6.4

Industry P/E

9.3

PEG Ratio

—

P/B Ratio

0.9

52W High

151.35

52W Low

90.00

Sales CAGR

16.76%

22.98%

10.83%

10Y

6.04%

Profit CAGR

45.47%

39.38%

—

10Y

—

ROE

TTM

11.37%

9.42%

8.02%

10Y

0.66%

ROCE

TTM

5.70%

10.55%

10.38%

10Y

10.80%

Technicals

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Forecasts

No. of Analysts

8

1Y Price Target

147.90 ▲ 5.42%

Q3 EPS Estimate

Q3 Revenue Estimate

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
INDIANB	784.15	1,05,622 Cr	8.96	1.52	2.07	14.43	5.88	1.20
IOB	37.04	71,192 Cr	16.14	2.31	0.00	12.46	5.66	0.99
BANKINDIA	141.75	64,557 Cr	6.44	0.86	2.86	11.37	5.70	0.87
MAHABANK	57.42	44,165 Cr	7.26	1.50	2.61	19.52	5.65	1.64
UCOBANK	29.18	36,540 Cr	14.79	1.31	1.34	7.92	5.32	0.67
CENTRALBK	36.54	33,074 Cr	7.31	0.96	0.51	11.65	5.34	0.89
PSB	27.75	19,704 Cr	17.04	1.57	0.25	8.50	5.80	0.67

Financial Statements

AI Powered Summary

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	14,442	15,062	15,319	16,250	17,046	17,466	18,317	18,479	18,467	18,521
Expenses	4,579	4,546	4,190	6,041	5,269	5,456	4,485	6,050	5,399	4,849
Interest	8,467	9,256	9,792	10,242	10,693	11,403	12,166	12,333	12,321	12,530
Financing Profit	1,396	1,260	1,337	-33	1,084	607	1,666	97	747	1,142
Financing Margin %	9.67	8.37	8.73	-0.20	6.36	3.47	9.10	0.52	4.04	6.17
Other Income	1,484	1,717	1,202	1,830	1,338	2,532	1,780	3,455	1,692	2,218
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	2,880	2,977	2,539	1,797	2,422	3,138	3,447	3,551	2,439	3,361
Tax %	47.87	50.00	25.34	16.58	28.40	23.57	25.76	25.45	27.68	24.85
Net Profit	1,562	1,499	1,930	1,574	1,888	2,421	2,637	2,602	1,830	2,577
EPS in Rs	3.43	3.29	4.59	3.46	4.15	5.32	5.79	5.72	4.02	5.66
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	39,585	38,313	41,005	42,591	40,854	38,281	47,932	61,073	71,308	72,729
Expenses	19,582	24,618	27,347	26,386	17,672	16,263	21,177	18,848	20,656	21,390
Interest	27,606	27,679	27,207	27,191	26,421	24,083	27,441	37,757	46,594	48,222
Financing Profit	-7,602	-13,984	-13,550	-10,987	-3,239	-2,065	-686	4,469	4,057	3,116
Financing Margin %	-19.20	-36.50	-33.04	-25.80	-7.93	-5.39	-1.43	7.32	5.69	4.28
Other Income	6,819	5,846	5,264	6,809	6,897	8,011	7,211	6,233	9,105	9,459
Depreciation	-7.23	522	373	392	380	372	427	509	604	0.00
Profit Before Tax	-775	-8,660	-8,658	-4,692	3,160	5,655	6,056	10,375	12,771	12,575
Tax %	-105.56	29.87	36.51	34.96	34.15	38.33	36.60	36.71	25.20	24.54
Net Profit	-1,492	-5,982	-5,426	-3,051	2,081	3,487	3,839	6,567	9,552	9,490
EPS in Rs	—	—	-11.80	-6.69	4.57	8.00	8.43	14.77	20.98	21.19
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	22.05	21.39	18.09	19.31	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	817	1,055	1,744	2,760	3,278	3,278	4,104	4,104	4,553	4,553
Reserves	32,528	32,574	35,013	44,892	41,795	46,703	52,418	56,329	66,028	76,172
Borrowings	5,66,826	5,81,844	5,66,595	5,66,820	5,97,139	6,61,562	6,56,802	7,37,209	8,21,572	9,43,675
Other Liabilities	16,458	16,553	11,833	16,412	20,807	21,247	29,808	28,393	32,127	32,024
Total Liabilities	6,16,629	6,32,026	6,15,184	6,30,884	6,63,019	7,32,790	7,43,131	8,26,036	9,24,280	10,56,425
Fixed Assets	8,382	8,349	8,192	8,799	8,765	8,637	9,570	9,950	10,178	11,865
CWIP	191	197	158	200	293	364	286	110	150	182
Investments	1,22,621	1,30,751	1,40,321	1,50,905	1,62,323	1,91,693	1,80,274	2,11,324	2,34,592	2,68,002
Other Assets	4,85,435	4,92,729	4,66,513	4,70,980	4,91,638	5,32,096	5,53,001	6,04,652	6,79,361	7,76,376
Total Assets	6,16,629	6,32,026	6,15,184	6,30,884	6,63,019	7,32,790	7,43,131	8,26,036	9,24,280	10,56,425

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	18,311	-6,624	-7,366	-9,218	-4,827	37,868	-35,487	-7,045	-4,437	18,534
Cash from Investing Activity	-609	-371	-260	71	-232	-182	-644	-521	-991	-854
Cash from Financing Activity	4,864	3,955	7,185	7,983	-3,192	2,398	1,146	541	3,868	34
Net Cash Flow	22,566	-3,040	-440	-1,164	-8,251	40,085	-34,985	-7,026	-1,560	17,714

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	81.41%	81.41%	81.41%	81.41%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%
FIIs	2.07%	2.67%	2.25%	2.91%	4.31%	4.52%	3.61%	3.21%	2.92%	3.89%	3.53%	4.24%
DIIs	10.72%	10.35%	9.90%	9.56%	14.65%	15.82%	15.46%	16.26%	16.41%	15.90%	15.97%	15.63%
Public	5.80%	5.56%	6.44%	6.12%	7.66%	6.28%	7.55%	7.14%	7.29%	6.83%	7.12%	6.75%
Total Shareholders	4,71,483	4,77,568	4,97,910	5,16,202	5,77,992	6,17,238	7,05,599	6,92,229	7,13,027	7,26,167	7,15,785	6,95,996

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Jan 25, 2024	Marshall wace investment stra...	Block	Buy	133.15	2.15 Cr	1,61,752	0.00
Jan 25, 2024	Marshall wace investment stra...	Block	Buy	133.15	181.91 Cr	1,36,61,922	0.30
Jan 25, 2024	Marshall wace investment stra...	Block	Buy	133.15	4.23 Cr	3,17,543	0.00
Jan 25, 2024	Societe generale	Block	Sell	133.15	188.29 Cr	1,41,41,217	0.31

Projection

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Announcements

Last 7 days

Newest

Sentiment

Bond Issuance

3 days ago

Bank of India Issues Rs.2500 Crores BASEL III Bonds

Bank of India has issued and allotted BASEL III Compliant Tier II Bonds amounting to Rs.2,500 Crore on a private placement basis.

Regulatory Filing

4 days ago

Reappointment of Statutory Central Auditors

The Bank has reappointed four Audit Firms as Statutory Central Auditors for the financial year 2025-26 following approval from the Reserve Bank of India.

Bond Issue

5 days ago

Bank Of India Issues Basel III Compliant Tier II Bonds

Bank of India announces the issuance of Basel III compliant Tier II Bonds totaling Rs. 2,500 Crore, which was oversubscribed by 4.98 times.

Regulatory Filing

6 days ago

Transfer of Equity Shares to IEPF

The announcement pertains to the proposed transfer of equity shares of the bank to the Investor Education and Protection Fund as notified to shareholders.

Regulatory Filing

6 days ago

Notice of Transfer of Equity Shares to IEPF

Bank of India has published a notice informing shareholders of the proposed transfer of equity shares to the Investor Education and Protection Fund (IEPF).

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q3 FY24

Showing 1 - 8 of 33

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Overview

Detailed Summary

The bank reported significant growth in its global business for the September quarter of fiscal 2026, with a year-on-year increase in gross advances and deposits by 11.83% and 10.08%, respectively.

Bank of India is aggressively expanding its branch network, having opened 211 new branches during the fiscal year 2024-25, asserting its market presence and service capabilities.

Improvements in asset quality were evidenced by reduced Gross NPA and increased provision coverage ratios, reflecting effective risk management strategies.

Sector

Banks

Industry

Banks - Public Sector

Market Cap

64,557 Cr

Volatility

Moderate Risk

P/E Ratio

6.4

Industry P/E

9.3

PEG Ratio

—

P/B Ratio

0.9

52W High

151.35

52W Low

90.00

Sales CAGR

16.76%

22.98%

10.83%

10Y

6.04%

Profit CAGR

45.47%

39.38%

—

10Y

—

ROE

TTM

11.37%

9.42%

8.02%

10Y

0.66%

ROCE

TTM

5.70%

10.55%

10.38%

10Y

10.80%

Bank Of India

Bank of India

BANKINDIA

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Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

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Technicals

Forecasts

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147.90 ▲ 5.42%

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Strong Buy

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Projection

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Technicals

Forecasts

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147.90 ▲ 5.42%

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Strong Buy

Oscillators

Neutral

Overall

Bullish

Moving Averages

Bullish

Overall

Bullish

Bank of India

BANKINDIA

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