Idbi Bank Limited (IDBI)

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Idbi Bank Limited (IDBI) · mywealthgrid

About

IDBI Bank Limited is a private sector bank operating in India's financial services. With a market capitalization of ₹88,653.54 crore and quarterly revenue around ₹7.5 thousand crore, it operates as a mid-tier banking entity. The bank maintains consistent profitability, with recent quarters generating net profit between ₹1.9–2.1k crore and achieving ROE of 14.19%.

Founded: 1964
Face value: ₹10

Market cap

₹93,084 Cr

P/E

10.0×

P/B

1.4×

Dividend yield

2.4%

ROE

14.2%

ROCE

6.5%

Debt / equity

0.41

OPM

72.8%

EPS (TTM)

₹8.7

Book value

₹63.8

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

Operating margin volatility: OPM ranges from 65.32% (Mar 2026) to 77.49% (Sep 2025)—verify the operational drivers of margin compression and expansion
Earnings concentration: Net profit spiked to ₹3,627 crore in Sep 2025 versus ₹1.9k–2.1k crore in other quarters—verify whether this reflects one-time gains or structural improvement
Stock underperformance despite profitability: 1-year return of -7.87% despite ROE of 14.19% and PE of 9.49—verify what market concerns drive the valuation discount
Asset quality and credit stress: Verify non-performing asset trends and the bank's exposure to sectors vulnerable in economic slowdowns

Generated analysis · source review pending

Growth drivers

Stable revenue base of ~₹7.5k crore quarterly demonstrates market position; verify organic growth rate and expansion drivers in the Indian banking sector
ROE of 14.19% reflects capital efficiency; verify if return improvements or capital productivity gains could drive shareholder value growth
Dividend payment history shows cash generation capability; verify whether payout levels are growing and sustainable
Margin recovery potential: OPM of 77%+ in certain quarters vs. 65% in others—verify what operational, product-mix, or funding factors enable higher margins and their replicability

Generated analysis · source review pending

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

₹86.6+3.9%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 72.8%
+Profit CAGR of 42% over the last 5 years
+High promoter holding of 94.7% with no pledge

Cons

−Modest revenue growth of 7.8% a year over the last 5 years
−Weak interest coverage of 1.8×

Research score

Structured signal from quality, growth, valuation and momentum.

66/100

Business quality: 45
Growth: 55
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 SMALLCAP 100 NIFTY SMALLCAP 250 NIFTY MIDSMALLCAP 400 NIFTY 500 NIFTY TOTAL MARKET

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Idbi Bank LimitedIDBIIDBI	₹93,084 Cr	₹1,21,187 Cr	₹29,542 Cr	₹21,383 Cr	72.8%	₹9,343 Cr	31.8%	6.5%	14.2%	—
The Federal Bank LimitedFEDERALBNKFEDERALBNK	₹78,500 Cr	₹1,11,693 Cr	₹30,385 Cr	₹19,589 Cr	64.8%	₹4,692 Cr	15.1%	6.4%	11.4%	—
Idfc First Bank LimitedIDFCFIRSTBIDFCFIRSTB	₹69,254 Cr	₹1,05,886 Cr	₹41,958 Cr	₹14,462 Cr	35.6%	₹2,305 Cr	4%	6%	3.8%	—
Indusind Bank LimitedINDUSINDBKINDUSINDBK	₹69,094 Cr	₹1,11,884 Cr	₹45,297 Cr	₹22,203 Cr	49.3%	₹1,322 Cr	1.9%	5.7%	1.4%	—
Yes Bank LimitedYESBANKYESBANK	₹65,126 Cr	₹1,30,577 Cr	₹30,658 Cr	₹18,224 Cr	61.5%	₹3,775 Cr	11.6%	6%	7.1%	—
Rbl Bank LimitedRBLBANKRBLBANK	₹63,709 Cr	₹80,506 Cr	₹14,736 Cr	₹5,360 Cr	36.3%	₹899 Cr	6.1%	5.8%	5.4%	—
Bandhan Bank LimitedBANDHANBNKBANDHANBNK	₹28,355 Cr	₹42,658 Cr	₹21,844 Cr	₹10,127 Cr	46.9%	₹1,353 Cr	5.6%	6.4%	4.9%	—
Karur Vysya Bank LimitedKARURVYSYAKARURVYSYA	₹26,027 Cr	₹28,650 Cr	₹11,555 Cr	₹7,832 Cr	67.7%	₹2,745 Cr	22.7%	7.6%	19.3%	—
City Union Bank LimitedCUBCUB	₹17,092 Cr	₹22,419 Cr	₹7,249 Cr	₹4,979 Cr	69.6%	₹1,403 Cr	19.3%	6.7%	13.2%	—
The Jammu & Kashmir Bank LimitedJ&KBANKJ&KBANK	₹15,415 Cr	₹18,846 Cr	₹13,429 Cr	₹9,521 Cr	70.6%	₹2,301 Cr	17.9%	5.8%	15.3%	—
Tamilnad Mercantile Bank LimitedTMBTMB	₹13,813 Cr	₹14,513 Cr	₹6,096 Cr	₹4,458 Cr	74.1%	₹1,444 Cr	23%	7.5%	14%	—
The South Indian Bank LimitedSOUTHBANKSOUTHBANK	₹12,420 Cr	₹16,347 Cr	₹10,112 Cr	₹6,746 Cr	66.3%	₹1,511 Cr	14.8%	6.4%	13.5%	—

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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
	20,854	19,956	18,319	20,592	26,446	28,917	29,020
Interest	13,841	11,408	9,125	9,130	12,226	14,257	15,474
Expenses	20,541	10,912	9,717	10,232	9,060	8,594	7,882
Financing profit	-13,528	-2,364	-523	1,229	5,159	6,067	5,663
Financing margin %	-64.9%	-11.8%	-2.9%	6%	19.5%	21%	19.5%
Other income	4,631	4,848	4,919	4,575	3,925	5,142	6,612
Depreciation	—	—	676	499	717	538	617
Profit before tax	-8,868	2,568	3,760	5,346	8,418	10,738	11,683
Tax	3,951	1,036	1,203	1,618	2,604	3,081	2,447
Tax %	44.6%	40.3%	32%	30.3%	30.9%	28.7%	20.9%
PAT	-12,819	1,532	2,557	3,728	5,814	7,656	9,237
EPS (₹)	-14.4	1.4	2.4	3.5	5.4	7.1	8.6
EPS adjusted (₹)	—	1.5	2.4	3.5	5.4	7.2	8.6
	—	0%	0%	29%	27.9%	29.6%	—
Gross NPA %	27.5%	22.4%	19.1%	6.4%	4.5%	3%	2.3%
Net NPA %	4.2%	2%	1.3%	0.9%	0.3%	0.2%	0.2%
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 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	10,752	10,752	10,752	10,752	10,752	10,752
Reserves	26,989	31,948	35,567	40,321	50,868	57,812
Deposits	2,30,707	2,32,850	2,55,322	2,77,366	3,09,975	3,46,776
Borrowings	15,908	14,345	12,638	17,083	19,932	28,104
Other liabilities	14,297	12,462	17,219	18,750	21,435	23,942
Total equity & liabilities	2,98,653	3,02,356	3,31,498	3,64,272	4,12,962	4,67,386
Fixed assets	7,873	9,987	9,780	9,542	12,200	9,775
Investments	81,471	83,475	1,00,409	1,15,719	1,18,453	1,28,440
	2,09,309	2,08,894	2,21,309	2,39,011	2,82,309	3,29,171
Total assets	2,98,653	3,02,356	3,31,498	3,64,272	4,12,962	4,67,386

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	0	0	0	0	0	3,443	-5,816	-2,601	-1,226	25,796	16,762
	0	0	0	0	0	-59	-195	-294	-222	-344	1,422
	0	0	0	0	0	1,428	-2,499	-3,565	-1,794	-6,990	-5,765
Net cash flow	0	0	0	0	0	4,813	-8,510	-6,460	-3,242	18,462	12,419
Free cash flow	—	—	—	—	—	3,384	-5,816	-2,601	-1,226	25,446	16,434
CFO / Operating profit %	—	—	—	—	0%	38.1%	-67.6%	-25.1%	-7.1%	126.9%	79.3%

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	35,030.6	3,264.53	1,90,184.54	3,13,497.85	—	—
Treasury	15,701.12	4,488.36

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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 %	-61.5%	7.7%	14%	18.1%	22%	26.5%	31.8%
Return ratios
Return on assets %	—	0.5%	0.8%	1.1%	1.6%	1.9%	2%
Return on capital employed %	—	4.9%	4.5%	4.8%	6.2%	6.8%	6.5%
Return on equity %	—	4.1%	6%	8%	11.4%	12.4%	13.5%

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
	94.71%	94.71%	94.71%	94.71%	94.71%	94.71%	94.71%	94.71%	94.71%	94.71%	94.71%	94.71%
	0.4%	0.32%	0.45%	0.47%	0.46%	0.42%	0.46%	0.54%	0.47%	0.51%	0.56%	0.45%
	0.25%	0.16%	0.16%	0.15%	0.17%	0.17%	0.18%	0.15%	0.12%	0.12%	0.09%	0.11%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0.01%	0.01%	0.01%	0.01%
	4.64%	4.81%	4.68%	4.67%	4.66%	4.7%	4.65%	4.6%	4.69%	4.65%	4.63%	4.72%
No. of shareholders	—	—	—	—	—	—	—	—	6,99,102	6,87,895	7,13,776	7,18,543

Promoter holding up 0 percentage points since Sep 2023.

Mr. Rakesh SharmaExecutive Director-CEO-MD
Ajay SharmaChief General Manager & Chief Financial Officer
Mr. Jayakumar S. PillaiExecutive Director
Mr. Sumit PhakkaExecutive Director
Mr. Anirudha BeheraChief Risk Officer
Mr. Manoj SahayNon-Executive - Nominee Director
Mr. Sat Pal BhanooNon-Executive - Nominee Director
Mr. Deepak SinghalNon-Executive - Independent Director
Mr. Sanjay Gokuldas KallapurNon-Executive - Independent Director
Mrs. BharathiNon-Executive - Independent Director
Mr. Ajay Prakash SawhneyNon-Executive - Independent Director

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F&O

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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

0.02%

of the company's equity

All mutual funds

0.07%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

22 schemes · 8 fund houses

		Shares
Nifty Smallcap 250 Index Fund	Nippon India Mutual Fund	8.94 L	8.12	0.23%	0.008%	+10,926
Nifty Smallcap 250 Index Fund	SBI Mutual Fund	4.54 L	4.13	0.23%	0.004%	+5,079
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	3.29 L	2.99	0.23%	0.003%	+2,988
Nifty Smallcap 250 Index Fund	ICICI Prudential Mutual Fund	2 L	1.82	0.23%	0.002%	+4,098
Nifty 500 Equal Weight Index Fund	Nippon India Mutual Fund	1.22 L	1.1	0.21%	0.001%	+60
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	89,395	0.81	0.03%	0.001%	+3,066
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	64,339	0.58	0.23%	0.001%	-3,524
IB20-Groww Nifty Smallcap 250 Index Fund	Groww Mutual Fund	35,407	0.32	0.23%	0%	+179

1–8 of 22

1 / 3

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Documents

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

Announcements

Annual reports

Credit ratings

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

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Events

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

13

Final dividend15 Jul 2025 · ex-date₹2.1
Dividend dividend16 Jul 2024 · ex-date₹1.5
Dividend dividend6 Jul 2023 · ex-date₹1
Dividend dividend4 Aug 2015 · ex-date₹0.75
Final dividend26 Jun 2014 · ex-date₹0.28
Interim dividend23 Jan 2014 · ex-date₹0.73
Dividend dividend29 Aug 2013 · ex-date₹3.5
Final dividend31 Aug 2012 · ex-date₹1.5
Interim dividend9 Feb 2012 · ex-date₹2
Dividend dividend2 Sept 2011 · ex-date₹3.5
Dividend dividend16 Jul 2010 · ex-date₹3
Dividend dividend9 Jul 2009 · ex-date₹2.5
Dividend dividend16 Jul 2008 · ex-date₹2

1

Board meeting to consider results18 Jul 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

4 announcementsExport CSV

19 Sept 2026, 2:35 pmCompany Update

Announcement under Regulation 30 (LODR)-Credit Rating

Credit Rating PDF

10 Sept 2026, 5:34 pmCompany Update

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

Strikes /Lockouts / Disturbances PDF

9 Sept 2026, 7:54 pmCompany Update

Reply To Clarification Sought By BSE

General PDF

8 Sept 2026, 6:51 pmCompany Update

Clarification sought from IDBI Bank Ltd

Clarification

Date	Category	Subject	Filing
19 Sept 2026, 2:35 pm	Company Update Credit Rating	Announcement under Regulation 30 (LODR)-Credit Rating	PDF
10 Sept 2026, 5:34 pm	Company Update Strikes /Lockouts / Disturbances	Announcement under Regulation 30 (LODR)-Strikes /Lockouts / Disturbances

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Idbi Bank Limited

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

Events

13

1

Announcements

13

1

Not in the F&O segment

Announcements

Annual reports

Credit ratings

Segment results

Compounded sales growth

Compounded profit growth

Return on equity

Corporate/Wholesale Banking · revenue

Idbi Bank Limited

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

Events

Dividends13

Board meetings1

Announcements

Dividends13

Board meetings1

Ratio timeline

Not in the F&O segment

Announcements

Annual reports

Credit ratings

Quarterly record

Board and management

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Corporate/Wholesale Banking · revenue

13

1

13

1