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Prices as of 8 Oct 2026 close · Not investment advice

Bank of India

NSE: BANKINDIAPublic Sector Bank

Share price

₹132.35

-0.90% close of 8 Oct 2026

Market cap ₹60,259 CrP/E 5.1

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 7 Oct 2026, the close above is 8 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

63

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹60,259 Cr

P/E ratio

5.1

P/B ratio

0.7

ROCE

5.9%

ROE

12.4%

Dividend yield

3.5%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹177.2052-week low ₹123.11

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Our sales figures for this company step up at Jun 2018 and we hold nothing that says why, so we cannot honestly quote a growth rate across it.

Whether it grew faster than its sector

Our sales figures for this company step up at Jun 2018 and we hold nothing that says why, so there is no honest growth rate of its own to set against its sector.

Room to re-rate, or risk of de-rating

At 5.1× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 6.3×, across 5 companies. It is against its own five-year median of 7.8×, the 1st percentile of its own range.

Whether growth justifies the valuation

Priced at 0.1 times its growth rate, on earnings growth of 42%.

Profit growthPrice per ₹1 profitPer 1% growth
Bank of India — this one42%/yr5.1×₹0.12
State Bank of India14%/yr10.3×₹0.74
Punjab National Bank76%/yr6.0×₹0.08
Union Bank of India32%/yr6.3×₹0.20
Bank of Baroda10%/yr5.5×₹0.55
Indian Bank28%/yr8.5×₹0.30

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Public Sector Bank), it ranks 9 of 12 on returns, 7 of 12 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 12.4% on capital, ahead of 25% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result

What the last results showed. Whether management kept its word is in Pro.

Results are expected soon.

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹60,259 Cr
Prev close
₹132.35
52w High
₹178
52w Low
₹122
Enterprise value
₹12,216 Cr
Beta
1.3
Price CAGR 1y
6.0%
Price CAGR 3y
7.0%
Price CAGR 5y
18.0%
Price CAGR 10y
1.0%

Ratios

Return on assets
0.9%
PEG ratio
0.1
P/E ratio
5.1
P/B ratio
0.7
EV / EBITDA
12.6
Industry P/E
7.4
ROCE
5.9%
ROCE 5y average
—
ROE
12.4%
Debt / Equity
1.3
Interest coverage
—
Dividend yield
3.5%
ROE 3y average
12.0%
ROE last year
12.0%

Annual P&L

Annual revenue
₹75,613 Cr
Annual profit
₹10,309 Cr
Operating margin
6.0%
Net profit margin
13.6%
EBITDA margin
6.3%
Sales growth 3y
16.4%
Sales growth 5y
13.1%
Profit growth 3y
42.0%
Profit growth 5y
39.0%
EPS
₹22.6
Sales growth TTM
6.0%
Profit growth TTM
19.0%
Dividend payout
21.0%

Quarter P&L

Sales latest quarter
₹20,097 Cr
Profit latest quarter
₹3,304 Cr
YoY quarterly sales growth
8.8%
YoY quarterly profit growth
80.4%
OPM latest quarter
8.0%

Balance Sheet

Book Value
₹198
Face Value
₹10.0
Total debt
₹1.19L Cr
Total cash
₹47,660 Cr
Borrowings
₹1.19L Cr
Reserves / Equity
18.8

Cash Flow

Operating cash flow
₹4,753 Cr
Free cash flow
₹3,907 Cr
FCF yield
—
Net cash flow
-₹1,248 Cr

Shareholding

Promoter holding
73.4%
FII holding
6.9%
DII holding
14.0%
Public holding
5.8%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
SBI954.0010.58,81,9951.8225,120.913.71,36,240.58.46.1
Union Bank (I)173.156.41,32,2072.895,641.527.427,427.11.26.3
Punjab Natl.Bank114.596.01,31,6042.625,834.8174.333,589.23.16.1
Bank of Baroda234.555.51,21,2583.621,839.364.635,114.56.85.6
Indian Bank828.308.81,12,0652.203,357.420.518,095.111.16.3
Canara Bank119.155.51,08,2333.525,182.13.532,957.24.56.5
Bank of Maha84.158.664,8852.612,023.334.58,034.713.96.0
Bank of India133.555.260,6223.483,304.049.820,096.98.85.9
Median116.877.586,5592.622,663.725.319,096.08.86.0

Competes with: Bank of Baroda, Bank of Maharashtra, Canara Bank, Central Bank of India, Indian Bank, Indian Overseas Bank, Punjab & Sind Bank, Punjab National Bank, State Bank of India, UCO Bank, Union Bank of India

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue14,44215,06215,31916,25017,04617,46618,31718,47918,46718,52119,05219,57320,097
Expenses4,5794,5464,1906,0415,2695,4564,4856,0505,3994,8495,2015,9895,390
Financing Profit1,3961,2601,337-331,0846071,666977471,1421,3468001,551
Financing Margin %1089-0639146748
Other Income1,4841,7171,2021,8301,3382,5321,7803,4551,6922,2182,3273,2802,615
Interest8,4679,2569,79210,24210,69311,40312,16612,33312,32112,53012,50412,78513,156
Depreciation0000000000000
Profit before tax2,8802,9772,5391,7972,4223,1383,4473,5512,4393,3613,6744,0794,167
Tax %48502517282426252825252525
Net Profit1,5621,4991,9311,5741,8902,4222,6382,6021,8312,5762,8143,0893,304
EPS in Rs3.813.654.243.464.155.325.795.724.025.666.186.787.25
Gross NPA18,01416,71415,30614,454
Income on Investments4,5304,4364,4614,532
Interest on Advances12,94413,68114,05514,358
Interest on RBI and Inter-bank Balances787682475679
Net NPA4,5304,3594,2504,019

Filed only on the standalone basis, so shown from it: Gross NPA, Income on Investments, Interest on Advances, Interest on RBI and Inter-bank Balances, Net NPA.

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue43,68542,09339,58538,31341,00542,59140,85438,28147,93261,07371,30875,61377,244
Expenses13,60019,84221,21824,61826,87426,38617,67216,26321,17718,84820,65620,70821,429
Financing Profit-2,135-7,994-9,239-13,984-13,076-10,987-3,239-2,065-6864,4694,0574,7664,840
Financing Margin %-5-19-23-36-32-26-8-5-17666
Other Income4,2783,6726,8195,8464,8626,6876,7788,0927,1686,4159,3179,73710,441
Interest32,22030,24527,60627,67927,20727,19126,42124,08327,44137,75746,59450,13950,975
Depreciation291290-75223733923803724275096047310
Profit before tax1,852-4,612-2,412-8,660-8,587-4,6923,1605,6556,05610,37512,76713,77315,281
Tax %637-34-30-37-35343837372525
Net Profit2,015-6,276-1,492-5,982-5,426-3,0512,0813,4873,8396,5679,55210,30911,783
EPS in Rs30-76-14-34-20-9.316.368.519.3514212326
Dividend Payout %170000002421191921

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
6%
5 years
13%
3 years
16%
TTM
6%

Compounded profit growth

10 years
14%
5 years
39%
3 years
42%
TTM
19%

Stock price CAGR

10 years
1%
5 years
18%
3 years
7%
1 year
6%

Return on equity

10 years
3%
5 years
10%
3 years
12%
Last year
12%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital6668171,0551,7442,7603,2783,2784,1044,1044,5534,5534,553
Reserves31,85732,52832,57435,01344,89241,79546,70352,41856,32966,02876,17285,405
Borrowing37,64951,10339,49143,59844,26539,75232,46426,82165,01580,9601,23,8691,18,626
Deposits5,36,9325,15,7225,42,3525,22,9975,22,5555,57,3866,29,0986,29,9816,72,1947,40,6118,19,8069,30,973
Other Liabilities18,04616,45716,55311,83316,40920,80521,24429,80728,39332,12732,02439,980
Total Liabilities6,25,1506,16,6286,32,0266,15,1846,30,8816,63,0177,32,7867,43,1318,26,0369,24,28010,56,42511,79,538
Fixed Assets5,8028,3828,3498,1928,7998,7658,6379,5709,95010,17811,86511,670
CWIP113191197158200293364286110150182207
Investments1,23,1961,22,6211,30,7511,40,3211,50,9051,62,3231,91,6931,80,2742,11,3242,34,5922,68,0022,79,084
Advances7,64,651
Other Assets4,96,0404,85,4354,92,7294,66,5134,70,9774,91,6365,32,0925,53,0016,04,6526,79,3617,76,3768,88,577
Total Assets6,25,1506,16,6286,32,0266,15,1846,30,8816,63,0177,32,7867,43,1318,26,0369,24,28010,56,42511,79,552

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity14,63818,311-6,624-7,366-9,218-4,82737,868-35,487-7,045-4,43718,5344,753
Cash from Investing Activity-755-609-371-26071-232-182-644-521-991-854-329
Cash from Financing Activity1,2954,8643,9557,1857,983-3,1922,3981,1465413,86834-5,672
Net Cash Flow15,17922,566-3,040-440-1,164-8,25140,085-34,985-7,026-1,56017,714-1,248
Free Cash Flow14,06617,814-6,910-7,620-9,090-5,18437,538-36,035-7,569-5,26417,8613,907

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %6-19-4-17-14-7466101212

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters817373737373737373737373
FIIs2.924.314.523.613.212.923.883.534.245.827.266.87
DIIs9.551516151616161616151414
Public6.117.656.277.557.137.306.837.136.765.625.405.78
No. of Shareholders5,16,2025,77,9926,17,2387,05,5996,92,2297,13,0277,26,1677,15,7856,95,9966,38,6396,26,1895,95,832

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year +5.2% (₹125.79 → ₹132.35)Brick size ₹3.45 (fixed)Bricks 45
₹140₹160₹132Nov '25Jan '26Mar '26May '26Jul '26
Price moved up one brickPrice moved down one brickLast close ₹132.35 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

18.69

CASA ratio %

36.68

cost-to-income %

46.33pct

2026-06-30

credit cost

0.15pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

1.81pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

total loans / revolving facilities outstanding at period end, the base of loan_default_cr

0.00cr

2026-06-30

net NPA %

0.51pct

2026-06-30

net interest margin %

2.52pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

93.83

FY revenue / permanent employees + workers, same basis (calc)

1,47,34,615inr

2026-03-31

return on assets %

0.93pct

2026-03-31

tier 1 capital ratio % = CET1 + AT1 (bank, standalone)

16.27pct

2026-06-30

News

News and filings about Bank of India. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Interest Rates

Sells products of

Buys from

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Public Sector Bank
Classification
Financial Services › Public Sector Bank
ISIN
INE084A01016

Business segments

  • Retail Banking Operations · 38%
  • Wholesale Banking Operations · 35%
  • Treasury Opertations · 27%

News impact

Big market events that reach Bank of India, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

29 May 2026unspecified₹4.65
20 Jun 2025unspecified₹4.05
18 Jun 2024unspecified₹2.8
20 Jun 2023unspecified₹2
7 Jul 2022unspecified₹2
10 Jul 2015unspecified₹5
23 Jan 2014interim₹5
20 Jun 2013unspecified₹10

Splits, bonuses & buybacks

  • daily-prices repair: 9 rows from NSE's archive (replace 1, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.