Bank of India

Bank of India

133.90
+3.64
(2.79%)
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Key Fundamentals
Add Ratio
Market Cap
61,702.30 Cr
EPS
20.97
PE Ratio
6.40
Dividend Yield
2.99 %
Industry
Banks
52 Week High
136.60
52 Week Low
90.05
PB Ratio
0.82
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from4 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+75.00 %
+75.00 %
Hold
Hold0.0 %
0.0 %
Sell
Sell+25.00 %
+25.00 %
Forecast For
Actual

Company News

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Caret
positive
Bank of India has provided guidance for sustained 15% credit growth, emphasizing strong momentum in retail and MSME (Micro, Small & Medium Enterprises) segments. The bank is focusing on improved asset quality and advancing its digital banking capabilities to enhance profitability prospects.
positive
Bank of India reported a net profit of 25.55 billion rupees for the quarter, compared to 23.7 billion rupees in the same period last year. Revenue increased to 184 billion rupees from 173.5 billion rupees year-over-year. The bank's asset quality improved with gross non-performing assets declining to 2.54% from 2.92% in the previous quarter, while net non-performing assets decreased to 0.65% from 0.75% quarter-over-quarter.
positive
Central Bank of India reported a 32.8% year-on-year increase in net profit to ₹1,212.8 crore for the July-September quarter, compared to ₹912.8 crore in the same period last year. The growth was driven by improved asset quality and lower provisioning. However, net interest income declined 3.7% to ₹3,282 crore, while net interest margin compressed to 2.89% from 3.41% previously. Asset quality showed improvement with gross NPA ratio falling to 3.01% from 3.13% in the previous quarter, and net NPA declining to 0.48% from 0.49%. The provision coverage ratio remained strong at 96.88%. Total business grew 14.4% to ₹7.38 lakh crore, with advances rising 16% to ₹2.93 lakh crore and deposits increasing 13.4% to ₹4.44 lakh crore. CASA ratio stood at 46.83%, down from 48.93% last year. Return on assets improved to 1.01% and return on equity rose to 14.22% from 12.67%. The bank maintained strong capital adequacy with CRAR at 17.34% and CET-I ratio at 14.98%.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
904.50
#1 8,41,416.90
10.19
#1 6,63,343.30
11.57
#1 79,017
10.09
68.62
266.20
1,38,023.70
7.03
1,52,884.10
7.83
20,459
-26.17
58.86
116.94
1,35,869.60
7.93
1,40,456.80
14.76
18,553
8.05
58.85
125.70
1,14,507.90
6.80
1,52,657.90
9.70
17,336
-21.12
57.11
820.05
1,11,286.20
9.88
72,050.90
12.17
10,995
10.99
74.61
141.77
1,09,046.10
#1 5.79
1,29,979.30
9.98
17,921
21.59
58.07
39.55
77,315.20
17.53
33,750.30
13.52
3,396
#1 61.47
50.10
133.90
#8 61,702.30
#2 6.40
#6 80,412.40
#2 19.47
#7 9,552
#8 6.36
68.36
58.89
45,703.20
7.51
28,402.60
#1 20.90
5,542
25.20
57.12
31.66
40,427.50
16.37
29,473.50
17.33
2,445
23.76
56.34
Growth Rate
Revenue Growth
19.47 %
Net Income Growth
45.47 %
Cash Flow Change
517.73 %
ROE
27.26 %
ROCE
7.87 %
EBITDA Margin (Avg.)
3.21 %

Quarterly Financial Results

Quarterly Financials
Jun 2018
Sept 2018
Dec 2018
Mar 2019
Jun 2019
Sept 2019
Dec 2019
Mar 2020
Jun 2020
Sept 2020
Dec 2020
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Revenue
10,722
10,895
11,791
12,387
11,613
12,063
13,431
12,293
12,023
12,211
12,203
11,253
11,710
11,758
11,271
11,553
11,208
13,001
14,218
16,716
15,926
16,779
16,521
18,080
18,384
19,998
20,098
21,934
20,678
20,740
Expenses
4,719
5,698
11,655
5,175
4,378
4,823
6,556
11,021
3,908
4,715
4,816
4,551
4,438
3,939
3,558
4,701
4,409
5,313
5,291
6,590
4,579
4,546
4,190
6,041
5,269
5,456
4,485
6,050
5,918
4,849
EBITDA
-681
-1,672
-6,726
421
364
422
130
-5,485
1,341
785
860
291
1,077
1,807
1,726
965
884
1,255
1,782
2,178
2,880
2,977
2,539
1,797
2,422
3,138
3,447
3,551
2,439
3,361
Operating Profit %
53 %
42 %
-14 %
52 %
58 %
55 %
40 %
-4 %
62 %
57 %
53 %
52 %
53 %
59 %
62 %
53 %
56 %
54 %
59 %
51 %
68 %
70 %
73 %
63 %
69 %
69 %
76 %
67 %
68 %
74 %
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
6,684
6,869
6,862
6,791
6,872
6,818
6,744
6,758
6,773
6,711
6,526
6,410
6,196
6,013
5,987
5,888
5,915
6,434
7,145
7,948
8,467
9,256
9,792
10,242
10,693
11,403
12,166
12,333
12,321
12,530
Profit Before Tax
-681
-1,672
-6,726
421
364
422
130
-5,485
1,341
785
860
291
1,077
1,807
1,726
965
884
1,255
1,782
2,178
2,880
2,977
2,539
1,797
2,422
3,138
3,447
3,551
2,439
3,361
Tax
-836
-524
-2,076
203
209
165
-8
-1,884
496
242
250
208
341
734
733
278
225
402
868
766
1,318
1,478
607
223
532
717
809
949
609
785
Net Profit
155
-1,148
-4,651
218
154
257
138
-3,601
845
543
610
83
736
1,073
993
687
659
853
915
1,413
1,562
1,499
1,931
1,574
1,890
2,422
2,638
2,602
1,831
2,576
EPS in ₹
0.89
-6.60
-26.67
0.98
0.49
0.79
0.42
-10.99
2.58
1.66
1.86
0.25
2.18
2.80
2.43
1.68
1.60
2.08
2.23
3.44
3.81
3.65
4.59
3.46
4.15
5.32
5.79
5.72
4.02
5.66

Balance Sheet

Balance Sheet
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Total Assets
6,25,285
6,16,629
6,32,026
6,15,184
6,30,884
6,63,019
7,32,790
7,43,131
8,26,036
9,24,280
10,56,425
Fixed Assets
5,802
8,382
8,349
8,192
8,799
8,765
8,637
9,570
9,950
10,178
11,865
Current Assets
91,651
1,21,352
1,18,983
1,14,011
1,16,078
1,07,234
1,51,602
1,21,279
1,09,305
1,09,817
1,21,532
Capital Work in Progress
113
191
197
158
200
293
364
286
110
150
182
Investments
1,23,196
1,22,621
1,30,751
1,40,321
1,50,905
1,62,323
1,91,693
1,80,274
2,11,324
2,34,592
2,68,002
Other Assets
4,96,175
4,85,436
4,92,729
4,66,513
4,70,980
4,91,638
5,32,096
5,53,001
6,04,652
6,79,361
7,76,376
Total Liabilities
6,25,285
6,16,629
6,32,026
6,15,184
6,30,884
6,63,019
7,32,790
7,43,131
8,26,036
9,24,280
10,56,425
Current Liabilities
17,344
16,359
16,472
11,673
16,247
20,654
21,084
29,678
28,237
31,967
31,862
Non Current Liabilities
6,07,941
6,00,270
6,15,554
6,03,511
6,14,637
6,42,365
7,11,706
7,13,454
7,97,799
8,92,314
10,24,563
Total Equity
32,691
33,444
33,710
36,916
47,814
45,225
50,140
56,651
60,590
70,742
80,887
Reserve & Surplus
31,857
31,225
30,852
35,013
40,254
41,796
43,703
52,418
56,329
66,028
76,172
Share Capital
666
817
1,055
1,744
2,760
3,278
3,278
4,104
4,104
4,553
4,553

Cash Flow

Cash Flow
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Net Cash Flow
15,179
22,566
-3,040
-441
-1,164
-8,251
40,085
-34,985
-7,026
-1,560
17,714
Investing Activities
-755
-609
-371
-260
71
-232
-182
-644
-521
-991
-855
Operating Activities
14,638
18,311
-6,624
-7,366
-9,218
-4,827
37,868
-35,487
-7,045
-4,437
18,534
Financing Activities
1,295
4,864
3,955
7,185
7,983
-3,192
2,398
1,146
541
3,868
34

Share Holding

% Holding
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Promoter
89.10 %
90.34 %
81.41 %
81.41 %
81.41 %
81.41 %
81.41 %
81.41 %
81.41 %
81.41 %
81.41 %
73.38 %
73.38 %
73.38 %
73.38 %
73.38 %
73.38 %
73.38 %
73.38 %
FIIs
0.14 %
0.15 %
0.00 %
0.00 %
0.22 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
4.52 %
3.61 %
3.21 %
2.92 %
3.89 %
3.53 %
4.24 %
DIIs
4.98 %
4.48 %
11.61 %
11.08 %
10.84 %
10.93 %
10.83 %
10.56 %
10.35 %
9.90 %
9.55 %
14.28 %
15.82 %
15.46 %
16.26 %
16.41 %
15.90 %
15.97 %
15.63 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
4.67 %
4.18 %
4.98 %
5.68 %
5.92 %
5.90 %
5.82 %
4.69 %
4.67 %
5.51 %
5.30 %
6.00 %
5.41 %
6.60 %
6.31 %
6.38 %
5.99 %
6.27 %
5.92 %
Others
1.12 %
0.85 %
1.99 %
1.83 %
1.60 %
1.76 %
1.93 %
3.33 %
3.56 %
3.18 %
3.74 %
6.33 %
0.87 %
0.96 %
0.84 %
0.91 %
0.84 %
0.85 %
0.83 %
No of Share Holders
4,10,305
4,15,354
4,20,818
4,98,573
5,12,552
5,09,583
4,98,740
4,71,483
4,77,568
4,97,910
5,16,202
5,26,675
6,17,238
7,05,599
6,92,229
7,13,027
7,26,167
7,15,785
6,95,996

Dividend History

Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 0.00 0.00 0.00 0.00 0.00 0.00 2 2 2.8 4.05
Dividend Yield (%) 0.00 0.00 0.00 0.00 0.00 0.00 2.6 1.46 2.61 2.99

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
07 Nov 2025 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
07 Nov 2025 125.53 135.55
08 Jul 2022 DIVIDEND Dividend
₹ 2.00 /share
07 Jul 2022 46.30 46.00
20 Jun 2023 DIVIDEND Dividend
₹ 2.00 /share
20 Jun 2023 86.33 75.15
18 Jun 2024 DIVIDEND Dividend
₹ 2.80 /share
18 Jun 2024 139.00 125.76
25 Jun 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
25 Jun 2024 139.00 120.65
11 Nov 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
11 Nov 2024 104.15 111.55
03 Dec 2024 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
03 Dec 2024 104.80 110.10
24 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
24 Jan 2025 96.13 99.71
09 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
09 May 2025 118.38 107.75
20 Jun 2025 DIVIDEND Dividend
₹ 4.05 /share
20 Jun 2025 107.75 115.65
27 Jun 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
27 Jun 2025 107.75 116.95
29 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
29 Jul 2025 115.02 111.50
17 Oct 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
17 Oct 2025 126.80 125.40

Announcements

Announcement under Regulation 30 (LODR)-Newspaper Publication6 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome7 days ago
Board Meeting Outcome for Outcome Of Board Meeting - Unaudited (Reviewed) Financial Results For The 2Nd Quarter And Half Year Ended 30.09.2025 7 days ago
Announcement under Regulation 30 (LODR)-Press Release / Media Release7 days ago
Announcement under Regulation 30 (LODR)-Investor Presentation7 days ago
Results-Financial Results For September 30 20257 days ago
Outcome Of Board Meeting - Unaudited (Reviewed) Financial Results For The 2Nd Quarter And Half Year Ended 30.09.2025 7 days ago
Announcement under Regulation 30 (LODR)-Newspaper Publication9 days ago
Notice Of Extra Ordinary General Meeting10 days ago
Notice Of Extra Ordinary General Meeting10 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 13, 2025
Board Meeting Intimation for Intimation Of Board MeetingOct 13, 2025
Board Meeting Intimation for Intimation Of Board MeetingOct 13, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 09, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 07, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 07, 2025
Bank Of India Has Informed The Exchange About Convening Of EGM For Election Of One Shareholder Director.Oct 06, 2025
Provisional Business Figures Q2 FY26Oct 06, 2025
Half Yearly Statement Of Outstanding Bonds As On 30.09.2025Oct 04, 2025
Investor/Analyst Virtual Group Meet On 30.09.2025Sep 30, 2025
Announcement under Regulation 30 (LODR)-Interest Rates UpdatesSep 29, 2025
Investor/Analyst Meet On 29.09.2025 With Canara HSBC Life Insurance Company Ltd.Sep 29, 2025
Investor/Analyst Meet On 29.09.2025 With Incred CapitalSep 29, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 29, 2025
Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations2015Sep 26, 2025
Disclosure Pertaining To Analyst/Investor Meet Scheduled On 30.09.2025.Sep 25, 2025
Disclosure Under Regulation 30 Of SEBI LODR Regulation 2015 Investor/ Analyst MeetSep 23, 2025
Closure of Trading WindowSep 23, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 19, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 17, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 17, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 16, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 15, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 11, 2025
Analyst/Investor Meet On 11.09.2025Sep 11, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 02, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 30, 2025
Announcement under Regulation 30 (LODR)-Interest Rates UpdatesAug 29, 2025
Analyst/Investor Meet On 29.08.2025Aug 29, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 26, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 20, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 20, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 20, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 12, 2025
Investor / Analyst MeetAug 06, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 06, 2025
Investor/Analyst Meet On 05.08.2025Aug 05, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 04, 2025
Announcement under Regulation 30 (LODR)-Interest Rates UpdatesJul 31, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 30, 2025

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
Invesco India Arbitrage Fund Direct-Growth
0.28%
3156400
0.15%
0.20%
Tata Arbitrage Fund Direct - Growth
0.23%
2927600
0.19%
0.22%
SBI Arbitrage Opportunities Fund Direct-Growth
0.16%
1939600
0.08%
0.10%
Kotak Arbitrage Fund Direct-Growth
0.19%
1544400
0.05%
0.08%
UTI Arbitrage Fund Direct-Growth
0.25%
1164800
0.17%
0.17%
Bandhan Small Cap Fund Direct-Growth
0.24%
660000
0.06%
0.10%
Bandhan Arbitrage Fund Direct-Growth
0.10%
540800
0.08%
0.08%
Bandhan Large & Mid Cap Fund Direct-Growth
1.07%
500000
0.12%
0.14%
HDFC Arbitrage Fund Wholesale Direct-Growth
0.10%
499200
0.04%
0.04%
Aditya Birla Sun Life Arbitrage Fund Direct-Growth
0.19%
182000
0.04%
0.05%
Nippon India Arbitrage Fund Direct-Growth
0.10%
62400
0.01%
0.01%
Motilal Oswal BSE Enhanced Value Index Fund Direct - Growth
1.26%
52313
0.07%
0.10%
SBI BSE PSU Bank Index Fund Direct - Growth
5.32%
49377
0.25%
0.19%
Unifi Dynamic Asset Allocation Fund Direct - Growth
0.14%
-36400
-0.04%
-0.08%
Sundaram Multi-Factor Fund Direct-Growth
1.82%
26236
0.15%
1.82%
Motilal Oswal Nifty MidSmall Financial Services Index Fund Direct-Growth
1.15%
-22989
-0.42%
-0.40%
Edelweiss Arbitrage Fund Direct-Growth
0.16%
20800
0.02%
0.05%
UTI Nifty 500 Value 50 Index Fund Direct - Growth
0.66%
20325
0.09%
0.09%
ICICI Prudential Equity Arbitrage Direct-Growth
0.02%
15600
0.00%
0.00%
HSBC Arbitrage Fund Direct-Growth
0.11%
15600
0.02%
0.02%
Shriram Flexi Cap Fund Direct - Growth
0.66%
12210
0.17%
0.18%
JioBlackRock Nifty Midcap 150 Index Fund Direct-Growth
0.42%
8698
0.03%
0.42%
HDFC Nifty LargeMidcap 250 Index Fund Direct-Growth
0.21%
-6415
0.02%
0.02%
Motilal Oswal Nifty Midcap 150 Index Fund Direct - Growth
0.42%
6315
0.03%
0.04%
SBI Nifty Midcap 150 Index Fund Direct - Growth
0.42%
-5926
0.03%
0.04%

Technical Indicators

RSI(14)
Neutral
72.81
ATR(14)
Volatile
3.28
STOCH(9,6)
Neutral
59.99
STOCH RSI(14)
Overbought
85.43
MACD(12,26)
Bullish
0.57
ADX(14)
Strong Trend
29.53
UO(9)
Bearish
57.26
ROC(12)
Uptrend And Accelerating
7.53
WillR(14)
Overbought
-7.43

About Bank of India

Bank of India is a state-owned commercial bank headquartered in Mumbai, providing a wide range of banking products and financial services. It operates in three business segments: Treasury Operations, Wholesale Banking Operations, and Retail Banking Operations. The bank has a network of 5155 domestic branches and 22 overseas branches across 5 continents. Bank of India offers services including foreign exchange, NRI banking, merchant banking, asset recovery, agricultural finance, and small-scale industry support. It provides products such as mutual funds, venture capital, depository services, bullion trading, and credit cards. The bank has subsidiaries, joint ventures, and associate companies, and operates Regional Rural Banks. Recently, Bank of India has raised capital through various means including Tier-II bonds and Qualified Institutional Placement.
Chairperson NameM R Kumar