CENTRALBK

Central Bank of India

Public sector bank — deposits, retail, agriculture and MSME credit

Financial Services›Financial Services›Banks›Public Sector Bank

centralbank.bank.in(opens the company website in a new tab)
Ask AI

Key metrics

Price as of 2026-10-16

Stock price
₹30.88
Market cap
27,951 Cr
Stock P/E
5.8
P/B
0.67
Dividend yield
1.3%
ROE (FY26)
12.9%

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.

Loading price history…

Compare with peers

Loading peers…

What you need to know

Central Bank of India is a public sector bank that takes deposits and lends to retail, agriculture, micro, small and medium enterprise (MSME) and corporate customers across India.

Company snapshot

11thBy 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: 43.9% of revenue

SegmentRevenue shareRevenuePBTAssets
Other Banking Operations—0 Cr0 Cr0 Cr
Retail Banking Operations
43.9%
4,280 Cr746 Cr1,72,792 Cr
Treasury Opertaions
31.0%
3,019 Cr318 Cr1,89,168 Cr
Unallocated
0.3%
28 Cr-81 Cr12,987 Cr
Wholesale Banking Operations
24.8%
2,412 Cr423 Cr92,273 Cr

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

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income3,170 Cr3,560 Cr3,566 Cr3,429 Cr3,558 Cr3,415 Cr3,402 Cr3,301 Cr3,518 Cr4,021 Cr3,932 Cr4,167 Cr
Other income1,329 Cr1,363 Cr1,166 Cr1,649 Cr1,232 Cr1,823 Cr1,787 Cr1,507 Cr1,937 Cr1,161 Cr988 Cr1,380 Cr
Net operating income4,499 Cr4,923 Cr4,732 Cr5,078 Cr4,791 Cr5,238 Cr5,188 Cr4,808 Cr5,455 Cr5,183 Cr4,920 Cr5,548 Cr
Employee cost1,667 Cr1,726 Cr1,717 Cr1,831 Cr1,797 Cr1,890 Cr1,839 Cr1,897 Cr2,060 Cr1,804 Cr1,764 Cr2,077 Cr
Other expenses889 Cr1,125 Cr1,009 Cr1,071 Cr1,017 Cr1,332 Cr1,034 Cr1,115 Cr1,098 Cr1,264 Cr961 Cr1,191 Cr
Provisions & contingencies821 Cr710 Cr1,193 Cr598 Cr559 Cr846 Cr522 Cr316 Cr705 Cr505 Cr405 Cr564 Cr
Depreciation————————————
Profit before tax1,122 Cr1,363 Cr812 Cr1,578 Cr1,418 Cr1,171 Cr1,878 Cr1,479 Cr1,592 Cr1,609 Cr1,791 Cr1,715 Cr
Tax %35.2%40.4%-9.2%41.6%31.7%11.0%32.9%17.6%20.6%54.1%25.8%14.0%
Net profit738 Cr817 Cr945 Cr926 Cr966 Cr1,106 Cr1,284 Cr1,234 Cr1,265 Cr748 Cr1,325 Cr1,488 Cr
EPS (₹)₹0.85₹0.94₹1.09₹1.06₹1.11₹1.27₹1.42₹1.36₹1.40₹0.82₹1.46₹1.64

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 Income6,609 Cr6,560 Cr6,814 Cr7,671 Cr8,287 Cr9,542 Cr11,752 Cr12,967 Cr13,968 Cr14,242 CrSign in free for the trailing twelve months
Other income2,871 Cr2,620 Cr2,416 Cr3,622 Cr3,162 Cr2,967 Cr4,084 Cr4,713 Cr5,871 Cr6,331 CrSign in free for the trailing twelve months
Net operating income9,480 Cr9,180 Cr9,230 Cr11,293 Cr11,449 Cr12,510 Cr15,836 Cr17,680 Cr19,838 Cr20,572 CrSign in free for the trailing twelve months
Employee cost———4,226 Cr4,150 Cr3,938 Cr5,616 Cr6,326 Cr7,235 Cr7,600 CrSign in free for the trailing twelve months
Other expenses———2,713 Cr2,648 Cr2,795 Cr3,294 Cr3,949 Cr4,428 Cr4,450 CrSign in free for the trailing twelve months
Provisions & contingencies———5,264 Cr5,959 Cr3,488 Cr4,244 Cr3,315 Cr3,197 Cr2,048 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax———-910 Cr-1,309 Cr1,745 Cr2,682 Cr4,090 Cr4,978 Cr6,559 CrSign in free for the trailing twelve months
Tax %———-23.9%32.9%39.0%40.0%37.0%23.3%31.6%Sign in free for the trailing twelve months
Net profit-2,457 Cr-5,134 Cr-5,611 Cr-1,252 Cr-995 Cr1,083 Cr1,688 Cr2,677 Cr3,943 Cr4,531 CrSign in free for the trailing twelve months
EPS (₹)₹-13.46₹-26.52₹-20.10₹-2.02₹-1.73₹1.31₹1.93₹3.07₹4.53₹5.00Sign in free for the trailing twelve months
Dividend payout %—————0.0%0.0%0.0%0.0%15.7%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 capital1,902 Cr2,618 Cr4,047 Cr5,710 Cr5,876 Cr8,681 Cr8,681 Cr8,681 Cr9,051 Cr9,051 Cr
Reserves16,309 Cr15,592 Cr15,349 Cr15,827 Cr15,821 Cr18,868 Cr20,536 Cr19,609 Cr23,908 Cr26,089 Cr
Borrowings9,623 Cr6,026 Cr5,640 Cr6,076 Cr5,760 Cr7,663 Cr8,334 Cr20,013 Cr21,820 Cr31,854 Cr
Other liabilities3,06,860 Cr3,03,113 Cr3,06,849 Cr3,29,725 Cr3,42,518 Cr3,52,223 Cr3,69,529 Cr3,99,469 Cr4,25,677 Cr4,84,085 Cr
Total liabilities3,34,695 Cr3,27,349 Cr3,31,885 Cr3,57,337 Cr3,69,974 Cr3,87,435 Cr4,07,080 Cr4,47,772 Cr4,80,457 Cr5,51,079 Cr
Fixed assets (net)4,291 Cr4,344 Cr4,311 Cr4,337 Cr5,133 Cr4,955 Cr4,777 Cr5,336 Cr5,205 Cr5,126 Cr
CWIP——————————
Investments92,277 Cr1,02,769 Cr1,25,453 Cr1,42,526 Cr1,48,518 Cr1,40,775 Cr1,36,569 Cr1,44,010 Cr1,41,652 Cr1,57,607 Cr
Loans & advances1,40,464 Cr1,57,480 Cr1,47,425 Cr1,51,952 Cr1,57,389 Cr1,69,042 Cr2,03,893 Cr2,44,399 Cr2,83,505 Cr3,38,209 Cr
Cash & bank75,087 Cr36,000 Cr20,779 Cr30,022 Cr32,188 Cr38,034 Cr27,433 Cr22,955 Cr22,931 Cr18,953 Cr
Other assets22,576 Cr26,756 Cr33,916 Cr28,501 Cr26,746 Cr34,630 Cr34,407 Cr31,071 Cr27,163 Cr31,185 Cr
Total assets3,34,695 Cr3,27,349 Cr3,31,885 Cr3,57,337 Cr3,69,974 Cr3,87,435 Cr4,07,080 Cr4,47,772 Cr4,80,457 Cr5,51,079 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 activity61,871 Cr-44,376 Cr-14,510 Cr1,688 Cr-2,003 Cr14,277 Cr-8,786 Cr-5,910 Cr-2,460 Cr2,804 Cr
Cash from investing-189 Cr-310 Cr-251 Cr-315 Cr-202 Cr-133 Cr-209 Cr-584 Cr-451 Cr-454 Cr
Cash from financing1,543 Cr5,154 Cr6,796 Cr3,396 Cr5,055 Cr0 Cr0 Cr0 Cr1,500 Cr-713 Cr
Net cash flow63,225 Cr-39,533 Cr-7,965 Cr4,769 Cr2,849 Cr14,143 Cr-8,995 Cr-6,494 Cr-1,410 Cr1,637 Cr
Free cash flow (OCF − Capex)61,679 Cr-44,691 Cr-14,764 Cr1,366 Cr-2,208 Cr14,119 Cr-8,999 Cr-6,497 Cr-2,460 Cr2,804 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %-13.5%-28.2%-29.0%-5.8%-4.6%3.9%5.7%9.4%11.9%12.9%

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——32,356 Cr32,589 Cr29,277 Cr28,156 Cr18,386 Cr11,340 Cr9,225 Cr9,185 Cr
Gross NPA %17.8%21.5%19.3%18.9%16.6%14.8%8.4%4.5%3.2%2.7%
Net NPA——11,333 Cr11,534 Cr9,036 Cr6,675 Cr3,592 Cr3,002 Cr1,543 Cr1,666 Cr
Net NPA %10.2%11.1%7.7%7.6%5.8%4.0%1.8%1.2%0.5%0.5%
CET1 %8.6%7.0%7.5%9.3%12.8%11.5%12.1%12.5%14.7%17.9%
Additional Tier 1 %0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
ROA %-0.8%-1.6%-1.7%-0.4%-0.3%0.3%0.4%0.6%0.9%0.9%
Central Bank of India (CENTRALBK) Financials | BullKarma