Central Bank Of India (CENTRALBK)

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Central Bank Of India (CENTRALBK) · mywealthgrid

About

Central Bank of India is a public sector bank with market capitalization of ₹28,421 crore. Recent quarterly results (standalone) show consistent net profitability in the ₹700–1,330 crore range with operating margins spanning 57–68%. The bank has maintained a regular dividend distribution history across the periods shown.

Founded: 1911
Face value: ₹10

Market cap

₹27,154 Cr

P/E

5.9×

P/B

0.7×

Dividend yield

4.6%

ROE

12%

ROCE

5.6%

Debt / equity

0.82

OPM

62.2%

EPS (TTM)

₹5.1

Book value

₹43.1

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

Stock has declined 11.12% over the past year and trades at ₹31.4, near its 52-week low of ₹29.62; verify whether this reflects sector headwinds, asset quality concerns, or valuation recovery potential
Promoter shareholding fell 8 percentage points in one quarter (from 89.27% in Mar 2026 to 81.19% in Jun 2026); clarify the driver and strategic implications
Quarterly net profit swings sharply from ₹724 crore (Mar 2026) to ₹1,330 crore (Jun 2026); verify whether this reflects seasonal patterns, one-time gains, or underlying volatility in asset quality
PE ratio of 6.2 is low relative to typical bank valuations; verify whether market sees structural earnings headwinds

Generated analysis · source review pending

Growth drivers

Operating margins expanded from 63.15% (Mar 2026) to 67.83% (Jun 2026); if sustained at the higher level, margin stability combined with revenue growth could drive EPS expansion
Recent quarterly net profit reached ₹1,323–1,325 crore in Jun 2026, the strongest in the data series; verify if this reflects a sustainable earnings run-rate or a cyclical or one-time peak
Debt-to-equity ratio of 0.82 indicates balance-sheet capacity to fund growth through increased lending, asset deployment, or controlled leverage if needed

Generated analysis · source review pending

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

₹30.0-0.1%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 62.2%
+Profit CAGR of 37.5% over the last 3 years
+Dividend yield of 4.6%
+Dividend payout of 27.4% of profit
+High promoter holding of 81.2% with no pledge

Cons

−Low return on equity of 10.9% (3-yr avg)
−Modest revenue growth of 9.6% a year over the last 5 years
−Weak interest coverage of 1.3×
−Promoter holding fell 8.1 pts over the last year

Research score

Structured signal from quality, growth, valuation and momentum.

65/100

Business quality: 38

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 SMALLCAP 250 NIFTY MIDSMALLCAP 400 NIFTY 500 NIFTY TOTAL MARKET NIFTY PSU BANK

Screen this industry Compare top 5 side-by-side

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%	—

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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
	23,676	22,830	22,903	25,657	30,849	33,797	36,168
Interest	16,005	14,543	13,361	13,905	17,882	19,830	21,926
Expenses	12,203	12,758	9,555	12,554	13,357	14,609	13,689
Financing profit	-4,532	-4,471	-13	-802	-391	-641	553
Financing margin %	-19.1%	-19.6%	-0.1%	-3.1%	-1.3%	-1.9%	1.5%
Other income	3,622	3,162	2,967	4,084	4,713	5,871	6,331
Depreciation	—	—	666	600	233	251	410
Profit before tax	-1,034	-1,425	1,763	2,761	4,190	5,103	6,606
Tax	218	-431	680	1,073	1,514	1,160	2,075
Tax %	21%	-30.2%	38.6%	38.9%	36.1%	22.7%	31.4%
PAT	-1,252	-995	1,083	1,688	2,677	3,943	4,531
EPS (₹)	-2	-1.7	1.3	0	3.1	4.5	5
EPS adjusted (₹)	-2.4	-1.9	1.3	2	3.2	4.5	5.1
	—	—	0%	—	0%	4.1%	—
Gross NPA %	18.9%	16.6%	14.8%	8.4%	4.5%	3.2%	2.7%
Net NPA %	7.6%	5.8%	4%	1.8%	1.2%	0.6%	0.5%
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 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	1,658	1,690	1,902	2,618	4,047	5,710	5,876	8,681	8,681	8,681	9,051	9,051
Reserves	16,077	16,283	15,626	15,592	15,136	15,827	15,821	18,868	20,536	23,693	27,830	29,950
Deposits	2,55,942	2,66,686	2,97,309	2,95,354	3,00,311	3,14,201	3,30,328	3,43,165	3,59,775	3,85,541	4,13,271	4,68,444
Borrowings	26,099	9,503	9,623	6,026	5,640	6,076	5,760	7,663	8,334	20,013	21,820	31,854
Other liabilities	12,991	12,459	10,234	7,759	6,750	15,524	12,190	9,058	9,754	9,844	8,485	11,780
Total equity & liabilities	3,12,766	3,06,621	3,34,695	3,27,349	3,31,885	3,57,337	3,69,974	3,87,435	4,07,080	4,47,772	4,80,457	5,51,079
Fixed assets	2,834	4,360	4,291	4,344	4,311	4,337	5,133	4,955	4,777	5,336	5,205	5,126
Investments	95,655	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	1,57,607
	2,14,276	2,13,174	2,38,127	2,20,236	2,02,121	2,10,475	2,16,324	2,41,705	2,65,734	2,98,425	3,33,599	3,88,346
Total assets	3,12,766	3,06,621	3,34,695	3,27,349	3,31,885	3,57,337	3,69,974	3,87,435	4,07,080	4,47,772	4,80,457	5,51,079

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	281	61,871	-44,376	-14,510	1,726	-2,003	14,277	-8,786	-5,910	-2,460	2,804
	-149	-189	-310	-251	-315	-202	-133	-209	-584	-451	-454
	599	1,543	5,154	6,796	3,396	5,055	0	0	0	1,500	-713
Net cash flow	—	—	—	—	—	2,849	14,143	-8,995	-6,494	-1,410	1,637
Free cash flow	-25	61,679	-44,691	-14,764	1,404	-2,208	14,119	-8,999	-6,497	-2,464	2,800
CFO / Operating profit %	—	—	—	—	15%	-19.9%	107%	-67.1%	-33.8%	-12.8%	12.5%

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	18,602.38	2,843.36	2,07,785.17	1,89,514.62	18,270.55	15.56
Treasury Operations	13,556.83	2,086.07

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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 %	-5.3%	-4.4%	4.7%	6.6%	8.7%	11.7%	12.5%
Return ratios
Return on assets %	-0.4%	-0.3%	0.3%	0.4%	0.6%	0.8%	0.8%
Return on capital employed %	4.4%	3.8%	4.3%	4.3%	5.3%	5.5%	5.6%
Return on equity %	-5.8%	-4.6%	3.9%	5.8%	8.3%	10.7%	11.6%

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
	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	89.27%	89.27%	89.27%	89.27%	89.27%	81.19%
	0.16%	0.07%	0.17%	0.16%	0.34%	0.44%	1.27%	0.96%	0.87%	0.84%	0.75%	0.93%
	2.85%	2.8%	2.8%	2.81%	2.82%	2.83%	5.87%	5.07%	4.87%	4.83%	4.82%	10.94%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	3.91%	4.05%	3.95%	3.95%	3.76%	3.65%	3.59%	4.7%	4.99%	5.06%	5.16%	6.94%
No. of shareholders	—	—	—	—	—	—	—	—	7,21,272	7,19,939	7,14,547	7,44,225

Promoter holding down 11.89 percentage points since Sep 2023.

Mr. KALYAN KUMARExecutive Director-Chairperson-CEO-MD
Mr. Raj Kokil SinghChief Risk Officer
Mr. M V MURALI KRISHNAExecutive Director
Mr. MAHENDRA DOHAREExecutive Director
Mr. E RATAN KUMARExecutive Director
Mr. CHANDRADEEP KUMAR JHANon-Executive - Nominee Director
Mr. Chandradeep Kumar JhaNon-Executive - Nominee Director
Mr. MANORANJAN DASHNon-Executive - Nominee Director
Mr. SARADA KUMAR HOTANon-Executive - Independent Director
Mr. Vivek KumarChief Financial Officer
Mr. Chandrakant BhagwatCompany Secretary & Compliance Officer

Current officeholders as filed with BSE. A person holding two offices is listed once per office.

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F&O

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

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

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

Portfolio month

Schemes holding

across 8 fund houses

Held by these funds

2.06%

of the company's equity

All mutual funds

2.59%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

37 schemes · 8 fund houses

		Shares
Value Fund	ICICI Prudential Mutual Fund	9.23 Cr	279.08	0.46%	1.02%	-0
Banking & Financial Services Fund	ICICI Prudential Mutual Fund	3.27 Cr	98.91	0.87%	0.362%	-0
ETF NIFTY PSU BANK BEES	Nippon India Mutual Fund	1.88 Cr	56.86	1.41%	0.208%	-3.66 L
Portfolio of Kotak Nifty PSU Bank ETF	Kotak Mahindra Mutual Fund	1.26 Cr	38.2	1.41%	0.14%	+9.84 L
PSU EQUITY FUND	ICICI Prudential Mutual Fund	65.72 L	19.86	1.07%	0.073%	-0
NIFTY PSU BANK ETF	DSP Mutual Fund	64.77 L	19.57	1.41%	0.072%	+9.09 L
HOUSING OPPORTUNITIES FUND	ICICI Prudential Mutual Fund	45.8 L	13.84	0.51%	0.051%	-0
Nifty Smallcap 250 Index Fund	Nippon India Mutual Fund	27.21 L	8.22	0.23%	0.03%	+33,273

1–8 of 37

1 / 5

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Documents

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

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Jul 2026Transcript AI Summary PPT REC
Apr 2026Transcript AI Summary PPT

Documents link to external sources (exchange filings, company investor pages).

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Events

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

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

142 announcementsExport CSV

30 Sept 2026, 3:36 pmCompany Update

Outcome Of Analyst/Investor Meet Held On 30.09.2026

General PDF

30 Sept 2026, 1:08 pmCompany Update

Announcement under Regulation 30 (LODR)-Investor Presentation

Investor Presentation PDF

28 Sept 2026, 6:22 pmCompany Update

Outcome Of Analyst/Investor Meet Held On 28Th September, 2026.

General PDF

28 Sept 2026, 12:07 pmCompany Update

Deferment Of Proposed Bank''s Strike

General PDF

22 Sept 2026, 6:04 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

Analyst / Investor Meet PDF

22 Sept 2026, 5:49 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

Analyst / Investor Meet PDF

10 Sept 2026, 6:08 pmCompany Update

Press Release On Launch Of 'Bharat Connect For Business' In Partnership With NPCI Bharat Bill Pay Ltd. (NBBL).

General PDF

9 Sept 2026, 5:29 pmCompany Update

Announcement under Regulation 30 (LODR)-Strikes /Lockouts / Disturbances

Strikes /Lockouts / Disturbances PDF

Date	Category	Subject	Filing
30 Sept 2026, 3:36 pm	Company Update General	Outcome Of Analyst/Investor Meet Held On 30.09.2026	PDF
30 Sept 2026, 1:08 pm	Company Update Investor Presentation	Announcement under Regulation 30 (LODR)-Investor Presentation	PDF

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Central 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

Not in the F&O segment

Fund holders

Documents

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Events

Announcements

Not in the F&O segment

1

5

1

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Segment results

Compounded sales growth

Compounded profit growth

Return on equity

Other Banking Operation · revenue

Central 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

Board and management

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Events

Announcements

Ratio timeline

Quarterly record

Board and management

Not in the F&O segment

Upcoming and recent1

Dividends5

Board meetings1

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Other Banking Operation · revenue

1

5

1