Bank Of India (BANKINDIA)

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Bank Of India (BANKINDIA) · mywealthgrid

About

Bank of India is a public sector bank in India's financial services sector. With a market capitalization of ₹65,604.41 Cr and recent quarterly revenues around ₹19,500–₹20,000 Cr, it serves as a systemically important institution in domestic banking.

Founded: 1906
Face value: ₹10

Market cap

₹58,948 Cr

P/E

4.9×

P/B

0.7×

Dividend yield

6.7%

ROE

12.3%

ROCE

5.9%

Debt / equity

1.32

OPM

72.3%

EPS (TTM)

₹26.6

Book value

₹197.6

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

PE ratio of 5.42 is notably low; verify whether this reflects concerns about asset quality, earnings sustainability, or a structural discount applied to PSU banks
Debt-to-equity ratio of 1.32 is moderate; track whether loan portfolio growth is constrained by capital or leverage limits
Operating margins stable at 69–74% across quarters; assess whether this level is sustainable or if competitive pressures are likely to compress them
Verify current non-performing asset ratios and provisioning coverage to understand asset-quality risks underlying the reported profitability

Generated analysis · source review pending

Growth drivers

Revenue grew from ₹18,406 Cr (Sep 2025) to ₹20,097 Cr (Jun 2026), a ~9% increase; identify drivers between loan growth and other income sources
Net profit grew from ₹2,555 Cr to ₹3,304 Cr over the same period; determine whether growth reflects improved net interest margins, lower provisions, or volume expansion
EPS increased from 5.61 to 7.25 over nine months; verify if driven by earnings growth or share-count changes
Operating efficiency evident from sustained 72–74% OPM across recent quarters; assess headroom for further margin improvement or cost inflation pressure

Generated analysis · source review pending

2,528 historical price candles were omitted because the exchange source has not been verified.

₹129.5-0.5%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 72.3%
+Profit CAGR of 39.9% over the last 5 years
+Dividend yield of 6.7%
+Dividend payout of 32.7% of profit
+High promoter holding of 73.4% with no pledge

Cons

−Weak interest coverage of 1.3×

Research score

Structured signal from quality, growth, valuation and momentum.

71/100

Business quality: 34
Growth: 78
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Part ofNIFTY MIDCAP 150 NIFTY 200 NIFTY MIDSMALLCAP 400 NIFTY 500 NIFTY TOTAL MARKET

Screen this industry Compare top 5 side-by-side

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Consolidated Standalone

Consolidated figures · ₹ crore

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	42,591	40,854	38,281	47,932	61,073	71,308	75,613
Interest	27,191	26,421	24,083	27,441	37,757	46,594	50,139
Expenses	26,778	18,651	15,647	19,954	18,701	21,155	20,916
Financing profit	-11,379	-4,218	-1,449	537	4,616	3,558	4,558
Financing margin %	-26.7%	-10.3%	-3.8%	1.1%	7.6%	5%	6%
Other income	6,809	7,496	8,011	7,211	6,233	9,105	10,036
Depreciation	—	—	988	1,649	656	105	523
Profit before tax	-4,692	3,160	5,655	6,056	10,375	12,771	13,773
Tax	-1,640	1,079	2,168	2,217	3,809	3,219	3,463
Tax %	-35%	34.2%	38.3%	36.6%	36.7%	25.2%	25.2%
PAT	-3,051	2,081	3,487	3,839	6,567	9,552	10,309
EPS (₹)	-9.4	6.4	9.1	9.4	15.5	21	22.6
EPS adjusted (₹)	-9.7	6	8.7	9.3	14.8	21.4	23.1
	—	0%	22.1%	21.4%	18.1%	19.3%	20.5%
Gross NPA %	14.7%	13.8%	10%	—	—	—	—
Net NPA %	3.9%	3.4%	2.3%	—	—	—	—
Annual report	Annual report for Mar 2020	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	Annual report for Mar 2026

₹ Cr	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	2,760	3,278	3,278	4,104	4,104	4,553	4,553	4,553
Reserves	40,254	41,795	46,703	52,418	56,329	66,189	76,172	85,405
Deposits	5,22,555	5,57,386	6,29,098	6,29,981	6,72,194	7,40,611	8,19,806	9,30,973
Borrowings	44,265	39,752	32,464	26,821	65,015	80,960	1,23,869	1,18,626
Other liabilities	21,050	20,807	21,247	29,808	28,393	31,967	32,024	39,994
Total equity & liabilities	6,30,884	6,63,019	7,32,790	7,43,131	8,26,036	9,24,280	10,56,425	11,79,552
Fixed assets	8,999	9,058	9,001	9,856	10,061	10,328	12,047	11,877
Investments	1,50,905	0	1,91,693	1,80,274	2,11,324	2,34,592	2,68,002	2,79,084
	4,70,980	6,53,961	5,32,096	5,53,001	6,04,652	6,79,361	7,76,376	8,88,591
Total assets	6,30,884	6,63,019	7,32,790	7,43,131	8,26,036	9,24,280	10,56,425	11,79,552

₹ Cr	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	37,868	-35,487	-7,045	-4,437	18,534	4,753
	-182	-644	-521	-991	-854	-329
	2,398	1,146	541	3,868	34	-5,672
Net cash flow	40,085	-34,985	-7,026	-1,560	17,714	-1,248
Free cash flow	37,519	-36,059	-7,668	-5,287	17,811	3,863
CFO / Operating profit %	170.6%	-156.8%	-25.2%	-10.5%	37%	8.7%

Segment results

As reported in NSE results XBRL. Segment result is before tax and finance costs. ROCE uses that annual result divided by segment assets less liabilities.

Source XBRL ↗

Latest reported period · 31 Mar 2026 · ₹ crore

Segment	Revenue	Result	Assets	Liabilities	Capital employed	ROCE %
Retail Banking Operations	32,910.75	7,281.57	3,40,935.46	3,16,131.27	24,804.19	29.36
Wholesale Banking Operations	29,533.63	2,951.15

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Ratios

Annual operating, return, leverage and working-capital ratios.

Consolidated Standalone

Consolidated figures

Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	-7.2%	5.1%	9.1%	8%	10.8%	13.4%	13.6%
Return ratios
Return on assets %	-0.5%	0.3%	0.5%	0.5%	0.7%	0.9%	0.9%
Return on capital employed %	3.5%	4.4%	4.2%	4.4%	5.7%	6.2%	5.9%
Return on equity %	-6.8%	4.2%	6.2%	6.4%	9.3%	11.8%	11.5%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	81.41%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%
	2.91%	4.31%	4.52%	3.61%	3.21%	2.92%	3.89%	3.53%	4.24%	5.82%	7.26%	6.87%
	9.56%	14.65%	15.82%	15.46%	16.26%	16.41%	15.9%	15.97%	15.63%	15.18%	13.96%	13.96%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	6.12%	7.66%	6.28%	7.55%	7.15%	7.29%	6.83%	7.12%	6.75%	5.62%	5.4%	5.79%
No. of shareholders	—	—	—	—	—	—	—	—	6,95,996	6,38,639	6,26,189	5,95,832

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F&O

Current futures and options contracts with compact option-chain pages.

End of day 30 Sept 2026 · underlying ₹130.2 · volume and open interest in contracts

3

Expiry	Close	Chg	% Chg	Settlement	Open interest	Change in OI	Volume	Lot size
27 Oct 2026	₹131.2	-0.8	-0.6%	₹131.2	13,853	-152	1,806	5200
23 Nov 2026	₹131.5	-1.2	-0.9%	₹131.5	468	-23	94	5200
29 Dec 2026	₹134.2	+2.2	+1.6%	₹132.3	2	+2	2	5200

Open the chart icon on a row for that contract's close over 103 stored sessions, with open interest as bars beneath it.

22

27 Oct 2026 23 Nov 2026 29 Dec 2026

Calls				Strike	Puts
OI	Chg OI	Volume	LTP	—	LTP	Volume	Chg OI	OI
0	0	0	₹0.0	110

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

across 16 fund houses

Held by these funds

2.44%

of the company's equity

All mutual funds

4.13%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

75 schemes · 16 fund houses

		Shares
Mid Cap Fund	DSP Mutual Fund	1.94 Cr	274.46	1.31%	0.426%	-0
Growth Mid Cap FundNEW	Nippon India Mutual Fund	1.45 Cr	205.31	0.39%	0.318%	—
ETF NIFTY PSU BANK BEES	Nippon India Mutual Fund	1.34 Cr	189.6	4.69%	0.294%	-2.6 L
Banking And Financial Services Fund	SBI Mutual Fund	1.11 Cr	156.67	1.44%	0.243%	-0
Arbitrage FundNEW	SBI Mutual Fund	90.84 L	128.63	0.27%	0.2%	—
Portfolio of Kotak Nifty PSU Bank ETF	Kotak Mahindra Mutual Fund	89.97 L	127.39	4.69%	0.198%	+7 L
NIFTY PSU BANK ETF	DSP Mutual Fund	46.09 L	65.27	4.69%	0.101%	+6.46 L
Banking & Financial Services Fund	ICICI Prudential Mutual Fund	34.98 L	49.53	0.44%	0.077%	-0

1–8 of 75

1 / 10

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

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Events

Upcoming dates and the company’s corporate-action history.

15

Dividend dividend29 May 2026 · ex-date₹4.65
Final dividend20 Jun 2025 · ex-date₹4.05
Dividend dividend18 Jun 2024 · ex-date₹2.8
Dividend dividend20 Jun 2023 · ex-date₹2
Final dividend7 Jul 2022 · ex-date₹2
Final dividend10 Jul 2015 · ex-date₹5
Interim dividend23 Jan 2014 · ex-date₹5
Dividend dividend20 Jun 2013 · ex-date₹10
Dividend dividend21 Jun 2012 · ex-date₹7
Dividend dividend7 Jul 2011 · ex-date₹7
Dividend dividend8 Jul 2010 · ex-date₹7
Final dividend2 Jul 2009 · ex-date₹5
Interim dividend13 Mar 2009 · ex-date₹3
Dividend dividend3 Jul 2008 · ex-date₹4
Dividend dividend29 Jun 2007 · ex-date₹1.5

1

Board meeting to consider results24 Jul 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

52 announcementsExport CSV

30 Sept 2026, 5:59 pmCompany Update

Announcement under Regulation 30 (LODR)-Credit Rating

Credit Rating PDF

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Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	-7.2%	5.1%	9.1%	8%	10.8%	13.4%	13.6%
Return ratios
Return on assets %	-0.5%	0.3%	0.5%	0.5%	0.7%	0.9%	0.9%
Return on capital employed %	3.5%	4.4%	4.2%	4.4%	5.7%	6.2%	5.9%
Return on equity %	-6.8%	4.2%	6.2%	6.4%	9.3%	11.8%	11.5%

Calls	Strike	Puts
0	0	0	₹0.0	110

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Union Bank Of IndiaUNIONBANKUNIONBANK	₹1,27,932 Cr	₹2,05,729 Cr	₹1,07,587 Cr	₹73,406 Cr	68.7%	₹21,275 Cr	18.2%	6.3%	16.2%	—
Punjab National BankPNBPNB	₹1,25,928 Cr	₹2,33,486 Cr	₹1,31,789 Cr	₹98,411 Cr	74.7%	₹23,619 Cr	14.1%	6.1%	14%	—
Bank Of BarodaBANKBARODABANKBARODA	₹1,19,366 Cr	₹2,89,663 Cr	₹1,36,546 Cr	₹87,324 Cr	64.3%	₹18,478 Cr	14.5%	5.6%	12.5%	—
Canara BankCANBKCANBK	₹1,07,361 Cr	₹2,62,648 Cr	₹1,27,805 Cr	₹91,291 Cr	69.7%	₹20,708 Cr	15.6%	6.5%	16.7%	—
Indian BankINDIANBINDIANB	₹1,06,837 Cr	₹1,53,644 Cr	₹69,314 Cr	₹46,956 Cr	69.4%	₹13,030 Cr	17.3%	6.3%	15.8%	—
Bank Of MaharashtraMAHABANKMAHABANK	₹61,917 Cr	₹97,151 Cr	₹30,262 Cr	₹20,806 Cr	68.1%	₹7,624 Cr	24%	6%	22.6%	—
Bank Of IndiaBANKINDIABANKINDIA	₹58,948 Cr	₹1,77,574 Cr	₹77,244 Cr	₹55,814 Cr	72.3%	₹12,098 Cr	13.6%	5.9%	12.3%	—
Indian Overseas BankIOBIOB	₹58,502 Cr	₹1,10,104 Cr	₹33,290 Cr	₹20,072 Cr	64.5%	₹6,159 Cr	17%	6.1%	16.3%	—
Uco BankUCOBANKUCOBANK	₹28,753 Cr	₹57,441 Cr	₹25,067 Cr	₹14,864 Cr	59.3%	₹2,491 Cr	9.9%	5.8%	8.6%	—
Central Bank Of IndiaCENTRALBKCENTRALBK	₹27,154 Cr	₹59,008 Cr	₹37,270 Cr	₹23,376 Cr	62.2%	₹4,584 Cr	12.5%	5.6%	12%	—
Punjab & Sind BankPSBPSB	₹14,872 Cr	₹31,225 Cr	₹12,284 Cr	₹8,574 Cr	69.5%	₹1,384 Cr	11%	5.9%	9.6%	—

8 deals · 10 Jan 2024 – 23 Apr 2024

Date	Client	Type	Venue	Side	Quantity	Price	Value
23 Apr 2024	SOCIETE GENERALE	Block	NSE	Buy	25,66,792	₹141.25	₹36.26 Cr
23 Apr 2024	MARSHALL WACE INVESTMENT STRATEGIES - EUREKA FUND	Block	NSE	Sell	25,66,792	₹141.25	₹36.26 Cr
25 Jan 2024	SOCIETE GENERALE	Block	NSE	Sell	1,41,41,217	₹133.15	₹188.29 Cr
25 Jan 2024	MARSHALL WACE INVESTMENT STRATEGIES EUREKA FUND	Block	NSE	Buy	1,36,61,922	₹133.15	₹181.91 Cr
25 Jan 2024	MARSHALL WACE INVESTMENT STRATEGIES GLOBAL FINANCIALS MARKET NEUTRAL FUND	Block	NSE	Buy	3,17,543	₹133.15	₹4.23 Cr
25 Jan 2024	MARSHALL WACE INVESTMENT STRATEGIES TOPS FUND	Block	NSE	Buy	1,61,752	₹133.15	₹2.15 Cr
10 Jan 2024	THE JUPITER GLOBAL FUND-JUPITER INDIA SELECT	Block	BSE	Buy	16,19,859	₹118.85	₹19.25 Cr
10 Jan 2024	JUPITER SOUTH ASIA INVESTMENT COMPANY LIMITED	Block	BSE	Sell	16,19,859	₹118.85	₹19.25 Cr

1–8 of 8

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Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.

Date	Category	Subject	Filing
30 Sept 2026, 5:59 pm	Company Update Credit Rating	Announcement under Regulation 30 (LODR)-Credit Rating	PDF
30 Sept 2026, 4:46 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome	PDF
30 Sept 2026, 3:04 pm	Company Update General	Redemption Of Bonds	PDF
30 Sept 2026, 1:53 pm	Company Update General	Redemption Of Bond ISIN No.INE084A08151	PDF
29 Sept 2026, 1:38 pm	Corp. Action Interest Rates Updates	Announcement under Regulation 30 (LODR)-Interest Rates Updates	PDF
28 Sept 2026, 7:53 pm	Company Update General	Bank Of India Has Informed The Exchange About Establishment Of Euro Medium Term Programme (EMTN).	PDF
28 Sept 2026, 7:47 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome	PDF
22 Sept 2026, 6:18 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation	PDF

Bank Of India

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Segment results

Ratios

Shareholding

F&O

3

22

Fund holders

Documents

Announcements

Events

15

1

Announcements

15

1

3

22

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Segment results

Compounded sales growth

Compounded profit growth

Return on equity

RETAIL · revenue

Bank Of India

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Segment results

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Futures3

Option chain22

Fund holders

Documents

Announcements

Events

Dividends15

Board meetings1

Announcements

Dividends15

Board meetings1

Ratio timeline

Futures3

Option chain22

Announcements

Quarterly record

Annual reports

Credit ratings

Investor Presentation and earnings call

Bulk & block deals

Board and management

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

RETAIL · revenue

3

22

15

1

15

1

3

22