Central Bank of India

CENTRALBK

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Market Cap

₹ 33,074 Cr

P/E

7.31

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Performance

UNDER PERFORMER

Valuation

REASONABLE

Growth

EXCEPTIONAL

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

HIGH RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Central Bank of India is one of the oldest and largest commercial banks in India, focusing on providing comprehensive banking services to various sectors, including retail, agriculture, and corporate.

In 2025, the bank reported substantial business growth with total business reaching Rs. 737,938 crores, reflecting a 14.43% increase year on year, and expanded its network to 4,545 branches and 4,085 ATMs.

The bank has strategically partnered with C2FO and KredX to enhance trade receivables financing efficiency for MSMEs, integrating with RBI-approved TReDS platforms to provide digital and affordable financing options.

Gross and Net NPA ratios have shown significant improvement, with Gross NPAs reducing to 3.01% and Net NPAs to 0.48%, reflecting effective management of asset quality and recovery efforts.

Central Bank of India is focused on digital transformation, enhancing customer experience through technology-driven solutions and expanding its digital transaction platforms.

Sector

Banks

Industry

Banks - Public Sector

Market Cap

33,074 Cr

Volatility

High Risk

P/E Ratio

7.3

Industry P/E

9.3

PEG Ratio

0.1

P/B Ratio

1.0

52W High

58.96

52W Low

32.81

Sales CAGR

9.56%

13.87%

7.40%

10Y

2.96%

Profit CAGR

47.32%

53.59%

—

10Y

—

ROE

TTM

11.65%

8.41%

5.48%

10Y

-3.02%

ROCE

TTM

5.34%

12.34%

12.86%

10Y

14.02%

Technicals

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Forecasts

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

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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	7,259	7,377	7,842	8,371	8,367	8,235	8,542	8,653	8,623	8,777
Expenses	3,118	3,534	3,377	3,561	3,920	3,500	3,373	4,067	3,395	3,328
Interest	4,062	4,338	4,672	4,811	4,801	4,807	4,984	5,238	5,222	5,476
Financing Profit	79	-495	-207	-0.56	-354	-71	185	-652	6.21	-28
Financing Margin %	1.09	-6.70	-2.64	-0.01	-4.23	-0.86	2.17	-7.54	0.07	-0.32
Other Income	959	1,062	1,329	1,363	1,166	1,649	1,232	1,823	1,872	1,507
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	1,038	567	1,122	1,363	812	1,578	1,418	1,171	1,878	1,479
Tax %	58.77	-7.31	35.16	40.42	-9.22	41.65	31.71	10.98	32.88	17.55
Net Profit	495	622	734	816	942	924	963	1,105	1,282	1,232
EPS in Rs	0.55	0.69	0.82	0.90	1.05	1.02	1.06	1.27	1.42	1.36
Gross NPA %	4.95	4.61	4.50	4.50	4.54	4.59	3.87	3.18	3.14	3.02
Net NPA %	1.75	1.64	1.28	1.24	0.75	0.70	0.61	0.56	0.50	0.49

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	24,775	24,163	22,749	23,676	22,830	22,903	25,657	30,849	33,797	34,054
Expenses	12,744	14,015	14,580	12,135	11,981	10,477	12,778	13,099	14,314	14,336
Interest	18,166	17,603	15,935	16,005	14,543	13,361	13,905	17,882	19,830	20,250
Financing Profit	-6,136	-7,455	-7,766	-4,464	-3,695	-934	-1,026	-133	-346	-532
Financing Margin %	-24.77	-30.85	-34.14	-18.86	-16.18	-4.08	-4.00	-0.43	-1.02	-1.56
Other Income	2,871	2,620	2,416	3,622	3,111	2,967	4,084	4,713	5,871	6,576
Depreciation	258	260	278	285	731	297	386	500	558	0.00
Profit Before Tax	-3,523	-5,096	-5,628	-1,127	-1,431	1,755	2,752	4,181	5,092	6,044
Tax %	30.69	0.00	0.00	0.00	30.47	38.30	38.64	35.98	22.56	29.29
Net Profit	-2,457	-5,134	-5,611	-1,252	-995	1,083	1,688	2,677	3,943	4,274
EPS in Rs	—	—	—	-1.37	-1.10	1.26	1.85	2.95	4.40	5.11
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	4.14	—

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	1,690	1,902	2,618	4,047	5,710	5,876	8,681	8,681	8,681	9,051
Reserves	16,818	16,309	15,592	15,349	15,827	20,621	18,868	20,536	23,693	27,830
Borrowings	2,76,189	3,06,933	3,01,380	3,05,951	3,20,277	3,36,088	3,50,828	3,68,109	4,05,554	4,35,091
Other Liabilities	11,924	9,551	7,759	6,538	15,337	7,390	8,915	9,754	9,844	8,485
Total Liabilities	3,06,621	3,34,695	3,27,349	3,31,885	3,57,151	3,69,974	3,87,292	4,07,080	4,47,772	4,80,457
Fixed Assets	4,369	4,300	4,353	4,320	4,346	5,142	4,964	4,786	5,345	5,214
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	89,087	92,277	1,02,769	1,25,453	1,42,526	1,48,518	1,40,775	1,36,569	1,44,010	1,41,652
Other Assets	2,13,165	2,38,118	2,20,227	2,02,112	2,10,279	2,16,315	2,41,553	2,65,725	2,98,416	3,33,591
Total Assets	3,06,621	3,34,695	3,27,349	3,31,885	3,57,151	3,69,974	3,87,292	4,07,080	4,47,772	4,80,457

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	281	61,871	-44,376	-14,510	1,726	-2,003	14,277	-8,786	-5,910	-2,460
Cash from Investing Activity	-149	-189	-310	-251	-315	-202	-133	-209	-584	-451
Cash from Financing Activity	599	1,543	5,154	6,796	3,396	5,055	0.00	0.00	0.00	1,500
Net Cash Flow	732	63,225	-39,533	-7,965	4,807	2,849	14,143	-8,995	-6,494	-1,410

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	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	89.27%	89.27%	89.27%
FIIs	0.19%	0.20%	0.14%	0.16%	0.07%	0.17%	0.16%	0.34%	0.44%	1.22%	0.96%	0.87%
DIIs	2.89%	2.87%	2.84%	2.85%	2.80%	2.80%	2.81%	2.82%	2.83%	5.91%	5.07%	4.87%
Public	3.84%	3.85%	3.94%	3.91%	4.05%	3.95%	3.94%	3.76%	3.65%	3.60%	4.70%	4.98%
Total Shareholders	4,15,868	4,15,792	4,34,384	5,03,897	5,29,591	6,43,550	6,85,394	6,67,435	6,71,006	6,79,352	7,18,928	7,21,272

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

Credit Rating

3 days ago

Reaffirmation of Credit Rating by CARE Ratings

CARE Ratings Ltd has reaffirmed the credit rating of Central Bank of India for its Certificate of Deposits, maintaining an A1+ rating.

Distribution Agreement

5 days ago

Distribution Agreement with Bandhan AMC Limited

Central Bank of India has entered into a distribution agreement with Bandhan AMC Limited to offer mutual fund products to its customers.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Showing 1 - 8 of 32

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Overall

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Moving Averages

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Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

View Standalone

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	7,259	7,377	7,842	8,371	8,367	8,235	8,542	8,653	8,623	8,777
Expenses	3,118	3,534	3,377	3,561	3,920	3,500	3,373	4,067	3,395	3,328
Interest	4,062	4,338	4,672	4,811	4,801	4,807	4,984	5,238	5,222	5,476
Financing Profit	79	-495	-207	-0.56	-354	-71	185	-652	6.21	-28
Financing Margin %	1.09	-6.70	-2.64	-0.01	-4.23	-0.86	2.17	-7.54	0.07	-0.32
Other Income	959	1,062	1,329	1,363	1,166	1,649	1,232	1,823	1,872	1,507
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	1,038	567	1,122	1,363	812	1,578	1,418	1,171	1,878	1,479
Tax %	58.77	-7.31	35.16	40.42	-9.22	41.65	31.71	10.98	32.88	17.55
Net Profit	495	622	734	816	942	924	963	1,105	1,282	1,232
EPS in Rs	0.55	0.69	0.82	0.90	1.05	1.02	1.06	1.27	1.42	1.36
Gross NPA %	4.95	4.61	4.50	4.50	4.54	4.59	3.87	3.18	3.14	3.02
Net NPA %	1.75	1.64	1.28	1.24	0.75	0.70	0.61	0.56	0.50	0.49

Consolidated Profit Loss (in ₹ Crores)

View Standalone

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	24,775	24,163	22,749	23,676	22,830	22,903	25,657	30,849	33,797	34,054
Expenses	12,744	14,015	14,580	12,135	11,981	10,477	12,778	13,099	14,314	14,336
Interest	18,166	17,603	15,935	16,005	14,543	13,361	13,905	17,882	19,830	20,250
Financing Profit	-6,136	-7,455	-7,766	-4,464	-3,695	-934	-1,026	-133	-346	-532
Financing Margin %	-24.77	-30.85	-34.14	-18.86	-16.18	-4.08	-4.00	-0.43	-1.02	-1.56
Other Income	2,871	2,620	2,416	3,622	3,111	2,967	4,084	4,713	5,871	6,576
Depreciation	258	260	278	285	731	297	386	500	558	0.00
Profit Before Tax	-3,523	-5,096	-5,628	-1,127	-1,431	1,755	2,752	4,181	5,092	6,044
Tax %	30.69	0.00	0.00	0.00	30.47	38.30	38.64	35.98	22.56	29.29
Net Profit	-2,457	-5,134	-5,611	-1,252	-995	1,083	1,688	2,677	3,943	4,274
EPS in Rs	—	—	—	-1.37	-1.10	1.26	1.85	2.95	4.40	5.11
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	4.14	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

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	1,690	1,902	2,618	4,047	5,710	5,876	8,681	8,681	8,681	9,051
Reserves	16,818	16,309	15,592	15,349	15,827	20,621	18,868	20,536	23,693	27,830
Borrowings	2,76,189	3,06,933	3,01,380	3,05,951	3,20,277	3,36,088	3,50,828	3,68,109	4,05,554	4,35,091
Other Liabilities	11,924	9,551	7,759	6,538	15,337	7,390	8,915	9,754	9,844	8,485
Total Liabilities	3,06,621	3,34,695	3,27,349	3,31,885	3,57,151	3,69,974	3,87,292	4,07,080	4,47,772	4,80,457
Fixed Assets	4,369	4,300	4,353	4,320	4,346	5,142	4,964	4,786	5,345	5,214
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	89,087	92,277	1,02,769	1,25,453	1,42,526	1,48,518	1,40,775	1,36,569	1,44,010	1,41,652
Other Assets	2,13,165	2,38,118	2,20,227	2,02,112	2,10,279	2,16,315	2,41,553	2,65,725	2,98,416	3,33,591
Total Assets	3,06,621	3,34,695	3,27,349	3,31,885	3,57,151	3,69,974	3,87,292	4,07,080	4,47,772	4,80,457

Consolidated Cash Flows (in ₹ Crores)

View Standalone

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	281	61,871	-44,376	-14,510	1,726	-2,003	14,277	-8,786	-5,910	-2,460
Cash from Investing Activity	-149	-189	-310	-251	-315	-202	-133	-209	-584	-451
Cash from Financing Activity	599	1,543	5,154	6,796	3,396	5,055	0.00	0.00	0.00	1,500
Net Cash Flow	732	63,225	-39,533	-7,965	4,807	2,849	14,143	-8,995	-6,494	-1,410

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

Overview

Detailed Summary

Gross and Net NPA ratios have shown significant improvement, with Gross NPAs reducing to 3.01% and Net NPAs to 0.48%, reflecting effective management of asset quality and recovery efforts.

Central Bank of India is focused on digital transformation, enhancing customer experience through technology-driven solutions and expanding its digital transaction platforms.

Sector

Banks

Industry

Banks - Public Sector

Market Cap

33,074 Cr

Volatility

High Risk

P/E Ratio

7.3

Industry P/E

9.3

PEG Ratio

0.1

P/B Ratio

1.0

52W High

58.96

52W Low

32.81

Sales CAGR

9.56%

13.87%

7.40%

10Y

2.96%

Profit CAGR

47.32%

53.59%

—

10Y

—

ROE

TTM

11.65%

8.41%

5.48%

10Y

-3.02%

ROCE

TTM

5.34%

12.34%

12.86%

10Y

14.02%