BANKINDIA

Bank of India

Public sector bank — retail, corporate, agricultural, MSME and international banking

Financial Services›Financial Services›Banks›Public Sector Bank

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Key metrics

Price as of 2026-10-16

Stock price
₹132.36
Market cap
60,294 Cr
Stock P/E
5.1
P/B
0.67
Dividend yield
3.1%
ROE (FY26)
12.6%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

Bank of India is a public sector bank that takes deposits and lends to retail, agriculture, MSME (micro, small and medium enterprise) and corporate customers, and also runs international banking and treasury operations.

Company snapshot

8thBy market cap

Ranked among 12 companies in Public Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 38.1% of revenue

SegmentRevenue shareRevenuePBTAssets
Retail Banking Operations
38.1%
22,118 Cr4,967 Cr—
Treasury Operations
28.5%
16,546 Cr4,350 Cr—
Unallocated
0.5%
269 Cr-1,795 Cr—
Wholesale Banking Operations
34.3%
19,938 Cr1,365 Cr—

Shares add up to 101% because segment revenues are before inter-segment eliminations.

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income5,806 Cr5,527 Cr6,009 Cr6,353 Cr6,063 Cr6,152 Cr6,146 Cr6,146 Cr5,992 Cr6,548 Cr6,789 Cr6,941 Cr
Other income1,717 Cr1,202 Cr1,830 Cr1,338 Cr2,532 Cr1,780 Cr3,455 Cr2,211 Cr2,218 Cr2,327 Cr3,280 Cr2,615 Cr
Net operating income7,524 Cr6,729 Cr7,838 Cr7,691 Cr8,595 Cr7,932 Cr9,601 Cr8,357 Cr8,210 Cr8,875 Cr10,068 Cr9,556 Cr
Employee cost2,197 Cr2,228 Cr2,563 Cr2,367 Cr2,653 Cr2,462 Cr2,906 Cr2,420 Cr2,476 Cr2,707 Cr2,846 Cr2,640 Cr
Other expenses1,508 Cr1,444 Cr1,630 Cr1,597 Cr1,741 Cr1,707 Cr1,778 Cr1,867 Cr1,881 Cr1,912 Cr2,141 Cr1,778 Cr
Provisions & contingencies841 Cr518 Cr1,848 Cr1,305 Cr1,062 Cr317 Cr1,366 Cr1,112 Cr492 Cr582 Cr1,002 Cr971 Cr
Depreciation————————————
Profit before tax2,977 Cr2,539 Cr1,797 Cr2,422 Cr3,138 Cr3,447 Cr3,551 Cr2,439 Cr3,361 Cr3,674 Cr4,079 Cr4,167 Cr
Tax %50.0%25.3%16.6%28.4%23.6%25.8%25.4%27.7%24.9%25.1%25.2%24.7%
Net profit1,499 Cr1,931 Cr1,574 Cr1,890 Cr2,422 Cr2,638 Cr2,602 Cr1,831 Cr2,576 Cr2,814 Cr3,089 Cr3,304 Cr
EPS (₹)₹3.65₹4.59₹3.46₹4.15₹5.32₹5.79₹5.72₹4.02₹5.66₹6.18₹6.78₹7.25

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income11,979 Cr10,634 Cr13,798 Cr15,399 Cr14,433 Cr14,197 Cr20,491 Cr23,317 Cr24,714 Cr25,474 CrSign in free for the trailing twelve months
Other income6,819 Cr5,846 Cr4,791 Cr6,809 Cr7,496 Cr8,011 Cr7,211 Cr6,233 Cr9,105 Cr10,036 CrSign in free for the trailing twelve months
Net operating income18,799 Cr16,480 Cr18,589 Cr22,208 Cr21,929 Cr22,208 Cr27,702 Cr29,550 Cr33,818 Cr35,510 CrSign in free for the trailing twelve months
Employee cost———6,197 Cr6,529 Cr7,112 Cr8,453 Cr9,263 Cr10,387 Cr10,450 CrSign in free for the trailing twelve months
Other expenses———4,416 Cr4,477 Cr5,058 Cr5,921 Cr6,044 Cr6,823 Cr7,801 CrSign in free for the trailing twelve months
Provisions & contingencies———16,166 Cr7,645 Cr4,464 Cr7,230 Cr4,050 Cr4,050 Cr3,188 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax———-4,570 Cr3,278 Cr5,574 Cr6,099 Cr10,193 Cr12,558 Cr13,553 CrSign in free for the trailing twelve months
Tax %———35.9%32.9%38.9%36.3%37.4%25.6%25.6%Sign in free for the trailing twelve months
Net profit-1,492 Cr-5,982 Cr-5,426 Cr-3,051 Cr2,081 Cr3,487 Cr3,839 Cr6,567 Cr9,552 Cr10,309 CrSign in free for the trailing twelve months
EPS (₹)₹-14.83₹-51.83₹-29.14₹-9.39₹6.36₹9.07₹9.35₹15.48₹20.97₹22.64Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%21.4%12.5%13.3%17.9%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital1,055 Cr1,744 Cr2,760 Cr3,278 Cr3,278 Cr4,104 Cr4,104 Cr4,553 Cr4,553 Cr4,553 Cr
Reserves31,432 Cr35,013 Cr44,892 Cr41,795 Cr46,703 Cr52,418 Cr56,329 Cr59,153 Cr67,850 Cr77,381 Cr
Borrowings39,406 Cr43,598 Cr44,265 Cr39,752 Cr32,464 Cr26,821 Cr65,015 Cr80,960 Cr1,23,869 Cr1,18,626 Cr
Other liabilities5,54,417 Cr5,34,830 Cr5,38,967 Cr5,78,193 Cr6,50,346 Cr6,59,788 Cr7,00,588 Cr7,79,614 Cr8,60,152 Cr9,78,992 Cr
Total liabilities6,26,309 Cr6,15,184 Cr6,30,884 Cr6,63,019 Cr7,32,790 Cr7,43,131 Cr8,26,036 Cr9,24,280 Cr10,56,425 Cr11,79,552 Cr
Fixed assets (net)8,462 Cr8,350 Cr8,999 Cr9,058 Cr9,001 Cr9,856 Cr10,061 Cr10,328 Cr12,047 Cr11,877 Cr
CWIP——————————
Investments1,27,827 Cr1,40,321 Cr1,50,905 Cr1,62,323 Cr1,91,693 Cr1,80,274 Cr2,11,324 Cr2,34,592 Cr2,68,002 Cr2,79,084 Cr
Loans & advances3,66,482 Cr3,43,289 Cr3,42,966 Cr3,70,644 Cr3,67,667 Cr4,23,001 Cr4,88,688 Cr5,66,644 Cr6,53,518 Cr7,64,651 Cr
Cash & bank27,348 Cr31,575 Cr29,322 Cr29,447 Cr60,930 Cr40,530 Cr44,382 Cr38,894 Cr52,126 Cr47,660 Cr
Other assets96,191 Cr91,649 Cr98,691 Cr91,547 Cr1,03,498 Cr89,470 Cr71,582 Cr73,823 Cr70,732 Cr76,279 Cr
Total assets6,26,309 Cr6,15,184 Cr6,30,884 Cr6,63,019 Cr7,32,790 Cr7,43,131 Cr8,26,036 Cr9,24,280 Cr10,56,425 Cr11,79,552 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-6,624 Cr-7,366 Cr-9,218 Cr-4,827 Cr37,868 Cr-35,487 Cr-7,045 Cr-4,437 Cr18,534 Cr4,753 Cr
Cash from investing-371 Cr-260 Cr71 Cr-232 Cr-182 Cr-644 Cr-521 Cr-991 Cr-854 Cr-329 Cr
Cash from financing3,955 Cr7,185 Cr7,983 Cr-3,192 Cr2,398 Cr1,146 Cr541 Cr3,868 Cr34 Cr-5,672 Cr
Net cash flow-3,040 Cr-440 Cr-1,164 Cr-8,251 Cr40,085 Cr-34,985 Cr-7,026 Cr-1,560 Cr17,714 Cr-1,248 Cr
Free cash flow (OCF − Capex)-7,139 Cr-7,710 Cr-9,516 Cr-5,789 Cr37,519 Cr-36,059 Cr-7,668 Cr-5,287 Cr17,811 Cr3,863 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %-4.8%-16.2%-11.4%-6.8%4.2%6.2%6.4%10.3%13.2%12.6%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——60,661 Cr61,550 Cr56,535 Cr45,605 Cr37,686 Cr29,183 Cr21,749 Cr15,306 Cr
Gross NPA %13.2%16.6%15.8%14.8%13.8%10.0%7.3%5.0%3.3%2.0%
Net NPA——19,119 Cr14,320 Cr12,262 Cr9,852 Cr8,054 Cr6,845 Cr5,358 Cr4,250 Cr
Net NPA %6.9%8.3%5.6%3.9%3.4%2.3%1.7%1.2%0.8%0.6%
CET1 %7.2%7.9%11.0%9.9%11.5%14.0%13.6%14.9%14.8%15.0%
Additional Tier 1 %1.7%1.9%0.1%13.1%0.4%0.4%0.8%0.7%0.6%0.3%
ROA %-0.2%-0.9%-0.8%-0.4%0.1%0.4%0.5%0.7%0.9%0.9%