Central Bank of India disclosed its statement of outstanding debt securities for the half year ended September 30, 2026. The filing highlights a single outstanding bond issue with a principal amount of ₹1,500 crore.

The disclosure was submitted to the National Stock Exchange and BSE on October 7, 2026, pursuant to SEBI Master Circular No. SEBI/HO/DDHS/DDHS-PoD/P/CIR/2025/0000000137 dated October 15, 2025. The document was signed by Chandrakant Bhagwat, Company Secretary & Compliance Officer.

Outstanding debt securities details

The bank reported one active debt instrument during the period. The security was issued in August 2023 with a maturity date in August 2033. It carries an annual coupon rate of 8.80%.

What the numbers show

The amount outstanding remains unchanged at ₹1,500 crore, matching the original issuance size. This indicates no partial redemptions or buybacks occurred during the reporting period. The presence of a call option exercisable on August 30, 2028, provides the issuer with flexibility to redeem the debt prior to the final maturity date in 2033.

Central Bank of India reported a 20.55% year-on-year increase in total global business for the second quarter of FY27, reaching ₹8,89,621 crore as on September 30, 2026. The bank’s gross advances expanded significantly by 29.83% YoY, outpacing the growth in deposits.

The provisional figures, disclosed in a filing to stock exchanges, highlight robust credit demand alongside steady deposit mobilisation. While the overall balance sheet expanded, the CASA (Current Account Savings Account) ratio witnessed a contraction compared to the previous year.

Key Business Metrics

The bank’s total deposits grew 14.43% YoY to ₹5,08,586 crore. However, the composition of these deposits shifted, with the CASA ratio declining to 44.70% from 46.83% in the corresponding quarter last year. This represents a drop of 213 bps.

Note: Figures as on September 30, 2026 are provisional and subject to audit.

What the Numbers Show

A notable divergence exists between the rapid expansion of the loan book and the slower growth of low-cost deposits. Gross advances surged 29.83% YoY, nearly double the 14.43% growth rate of total deposits. This imbalance contributed to the 213 bps decline in the CASA ratio, which fell to 44.70%. The data suggests that the bank may be relying more heavily on higher-cost term deposits or wholesale funding to support its aggressive credit growth during this period.