Bank of India
BANKINDIA NSE
Bank of India
Banks F&ONSE: BANKINDIA BSE: 532149 Public Sector Bank
Key Fundamentals
MidcapPublic Sector BankBanksMarket Cap
₹64,912 Cr
Volatility
Moderate
P/E Ratio
5.6
EBITDA
₹14,803 Cr
Return on Equity
11.44%
Debt to Equity
0
Book Value
₹182.23
EPS
₹15.14
52W High
₹178.36
52W Low
₹109.3
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Bank of India insights
62 extracted metrics + investor summaries across FY15–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
4- Stock is trading at 0.73 times its book value
- Stock is providing a good dividend yield of 3.21%.
- Company has delivered good profit growth of 39.2% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 19.8%
Weaknesses
4- Company has low interest coverage ratio.
- Company has a low return on equity of 11.7% over last 3 years.
- Contingent liabilities of Rs.6,93,361 Cr.
- Company might be capitalizing the interest cost
Growth Rate
Revenue Growth
6.51% ↗
Net Income Growth
7.92% ↗
Cash Flow Change
-74.36% ↘
ROE
-3.13% ↘
ROCE
-3.56% ↘
EBITDA Margin (Avg.)
2.03% ↘
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 3d agoAI opinion · based on fundamentals
Risk high
Bank of India trades at a market cap of ₹64,830 Cr with a PE of 5.4x and PB of 0.77x, reflecting deep value metrics alongside structural concerns. The bank has delivered 39% profit CAGR over 5 years but carries contingent liabilities of ₹6,93,361 Cr and a 3-year ROE of only ~12%.
Bull Case 8
- Trades at 0.77x price-to-book, well below the 1x threshold, indicating significant valuation discount to book value
- PE ratio of 5.4x is substantially below the banking sector average, suggesting earnings are cheaply priced
- Compounded profit growth of 39% CAGR over the last 5 years demonstrates strong earnings recovery
- Dividend yield of 3.31% with a consistent payout ratio of 19.8%, offering income to shareholders
- TTM profit growth of 19% indicates continued earnings momentum in the most recent period
- Stock CAGR of 27% over 1 year shows strong recent price appreciation and market re-rating
- Revenue growth of 16% CAGR over 3 years reflects improving core business traction
- ROE has improved from 3% on a 10-year basis to 12% in the last year, showing a clear upward trajectory
Bear Case 8
- Contingent liabilities of ₹6,93,361 Cr are massive — over 10x the bank's market cap — posing tail risk if even a fraction crystallizes
- Low interest coverage ratio signals vulnerability to margin compression or asset quality deterioration
- 3-year ROE of 12% remains modest for a bank, indicating sub-optimal capital efficiency
- 10-year stock CAGR of just 2% reflects a prolonged period of value destruction for long-term holders
- 10-year compounded sales growth of only 6% suggests structurally slow top-line expansion
- Possible capitalization of interest costs raises concerns about the quality of reported earnings
- 10-year ROE average of just 3% highlights a long history of poor profitability prior to recent recovery
- 5-year revenue CAGR of 13% lags behind profit CAGR of 39%, suggesting earnings growth is partly driven by provision writebacks or one-offs rather than operating leverage alone
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 1d ago Headwinds 1
- RBI penalty for note shortages Jul 10
RBI imposed a Rs 4.27 lakh penalty on Bank of India for currency note shortages at its Nagpur branch. The bank stated the fine has no material financial impact.
Positives 3
- Q1FY27 profit surges 36% Jul 30
Bank of India reported Q1FY27 net profit of ₹3,068 crore, up 36% YoY, driven by improved asset quality and NII growth. The bank targets 15-16% global advance growth in FY27.
- $4.2B international funding plan Jul 30
Bank of India plans to raise $4.2 billion internationally via FCNRs, OFCBs, and ECBs by December 2026, strengthening its capital and funding base.
- MCLR hike supports margins Jul 30
Bank of India raised its 1-year MCLR by 5 bps from 8.75% to 8.80%, which should support net interest margins on existing and new loan products.
Neutral 2
- Senior management reshuffle Aug 4
Bank of India reassigned B. Kumar and Vikash Krishna to new CGM roles effective August 4, 2026. B. Kumar was promoted from GM & CFO to Chief General Manager effective August 1.
- Q1 FY27 earnings call held Jul 20
Bank of India hosted an earnings call on July 24, 2026, led by MD & CEO Rajneesh Karnatak to discuss Q1 FY27 unaudited results.
TL;DR: Bank of India delivered a strong Q1FY27 with 36% profit growth and healthy asset quality improvement, while planning aggressive international fundraising of $4.2 billion. The RBI penalty is negligible at Rs 4.27 lakh with no material impact. The MCLR hike and growth targets suggest management confidence in sustaining momentum through FY27, with the trend clearly improving.
Quarterly Results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 14,442 | 15,062 | 15,319 | 16,250 | 17,046 | 17,466 | 18,317 | 18,479 | 18,467 | 18,521 | 19,052 | 19,573 | 20,097 |
| Expenses | 4,579 | 4,546 | 4,190 | 6,041 | 5,269 | 5,456 | 4,485 | 6,050 | 5,399 | 4,849 | 5,201 | 5,989 | 5,390 |
| Financing Profit | 1,396 | 1,260 | 1,337 | -33 | 1,084 | 607 | 1,666 | 97 | 747 | 1,142 | 1,346 | 800 | 1,551 |
| Fin. Margin % | 10% | 8% | 9% | 0% | 6% | 3% | 9% | 1% | 4% | 6% | 7% | 4% | 8% |
| Other Income | 1,484 | 1,717 | 1,202 | 1,830 | 1,338 | 2,532 | 1,780 | 3,455 | 1,692 | 2,218 | 2,327 | 3,280 | 2,615 |
| Interest | 8,467 | 9,256 | 9,792 | 10,242 | 10,693 | 11,403 | 12,166 | 12,333 | 12,321 | 12,530 | 12,504 | 12,785 | 13,156 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 2,880 | 2,977 | 2,539 | 1,797 | 2,422 | 3,138 | 3,447 | 3,551 | 2,439 | 3,361 | 3,674 | 4,079 | 4,167 |
| Tax % | 48% | 50% | 25% | 17% | 28% | 24% | 26% | 25% | 28% | 25% | 25% | 25% | 25% |
| Net Profit | 1,562 | 1,499 | 1,931 | 1,574 | 1,890 | 2,422 | 2,638 | 2,602 | 1,831 | 2,576 | 2,814 | 3,089 | 3,304 |
| EPS in Rs | 3.81 | 3.65 | 4.24 | 3.46 | 4.15 | 5.32 | 5.79 | 5.72 | 4.02 | 5.66 | 6.18 | 6.78 | 7.25 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 43,685 | 42,093 | 39,585 | 38,313 | 41,005 | 42,591 | 40,854 | 38,281 | 47,932 | 61,073 | 71,308 | 75,613 | 77,244 |
| Expenses | 13,600 | 19,842 | 21,218 | 24,618 | 26,874 | 26,386 | 17,672 | 16,263 | 21,177 | 18,848 | 20,656 | 20,708 | 21,429 |
| Financing Profit | -2,135 | -7,994 | -9,239 | -13,984 | -13,076 | -10,987 | -3,239 | -2,065 | -686 | 4,469 | 4,057 | 4,766 | 4,840 |
| Fin. Margin % | -5% | -19% | -23% | -36% | -32% | -26% | -8% | -5% | -1% | 7% | 6% | 6% | 6% |
| Other Income | 4,278 | 3,672 | 6,819 | 5,846 | 4,862 | 6,687 | 6,778 | 8,092 | 7,168 | 6,415 | 9,317 | 9,737 | 10,441 |
| Interest | 32,220 | 30,245 | 27,606 | 27,679 | 27,207 | 27,191 | 26,421 | 24,083 | 27,441 | 37,757 | 46,594 | 50,139 | 50,975 |
| Depreciation | 291 | 290 | -7 | 522 | 373 | 392 | 380 | 372 | 427 | 509 | 604 | 731 | 0 |
| PBT | 1,852 | -4,612 | -2,412 | -8,660 | -8,587 | -4,692 | 3,160 | 5,655 | 6,056 | 10,375 | 12,771 | 13,773 | 15,281 |
| Tax % | 6% | 37% | -34% | -30% | -37% | -35% | 34% | 38% | 37% | 37% | 25% | 25% | — |
| Net Profit | 2,015 | -6,276 | -1,492 | -5,982 | -5,426 | -3,051 | 2,081 | 3,487 | 3,839 | 6,567 | 9,552 | 10,309 | 11,783 |
| EPS in Rs | 30.27 | -75.98 | -13.94 | -34.2 | -19.67 | -9.31 | 6.36 | 8.51 | 9.35 | 14.42 | 20.97 | 22.64 | 25.87 |
| Div. Payout % | 17% | 0% | 0% | 0% | 0% | 0% | 0% | 24% | 21% | 19% | 19% | 21% | — |
Balance Sheet
| 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 | 666 | 817 | 1,055 | 1,744 | 2,760 | 3,278 | 3,278 | 4,104 | 4,104 | 4,553 | 4,553 | 4,553 |
| Reserves | 31,857 | 32,528 | 32,574 | 35,013 | 44,892 | 41,795 | 46,703 | 52,418 | 56,329 | 66,028 | 76,172 | 85,405 |
| Borrowing | 37,649 | 51,103 | 39,491 | 43,598 | 44,265 | 39,752 | 32,464 | 26,821 | 65,015 | 80,960 | 1,23,869 | 1,18,626 |
| Deposits | 5,36,932 | 5,15,722 | 5,42,352 | 5,22,997 | 5,22,555 | 5,57,386 | 6,29,098 | 6,29,981 | 6,72,194 | 7,40,611 | 8,19,806 | 9,30,973 |
| Other Liabilities | 18,046 | 16,457 | 16,553 | 11,833 | 16,409 | 20,805 | 21,244 | 29,807 | 28,393 | 32,127 | 32,024 | 39,980 |
| Total Liabilities | 6,25,150 | 6,16,628 | 6,32,026 | 6,15,184 | 6,30,881 | 6,63,017 | 7,32,786 | 7,43,131 | 8,26,036 | 9,24,280 | 10,56,425 | 11,79,538 |
| Fixed Assets | 5,802 | 8,382 | 8,349 | 8,192 | 8,799 | 8,765 | 8,637 | 9,570 | 9,950 | 10,178 | 11,865 | 11,670 |
| CWIP | 113 | 191 | 197 | 158 | 200 | 293 | 364 | 286 | 110 | 150 | 182 | 207 |
| 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 | 2,79,084 |
| Other Assets | 4,96,040 | 4,85,435 | 4,92,729 | 4,66,513 | 4,70,977 | 4,91,636 | 5,32,092 | 5,53,001 | 6,04,652 | 6,79,361 | 7,76,376 | 8,88,577 |
| Total Assets | 6,25,150 | 6,16,628 | 6,32,026 | 6,15,184 | 6,30,881 | 6,63,017 | 7,32,786 | 7,43,131 | 8,26,036 | 9,24,280 | 10,56,425 | 11,79,538 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 14,638 | 18,311 | -6,624 | -7,366 | -9,218 | -4,827 | 37,868 | -35,487 | -7,045 | -4,437 | 18,534 | 4,753 |
| Investing | -755 | -609 | -371 | -260 | 71 | -232 | -182 | -644 | -521 | -991 | -854 | -329 |
| Financing | 1,295 | 4,864 | 3,955 | 7,185 | 7,983 | -3,192 | 2,398 | 1,146 | 541 | 3,868 | 34 | -5,672 |
| Net Cash Flow | 15,179 | 22,566 | -3,040 | -440 | -1,164 | -8,251 | 40,085 | -34,985 | -7,026 | -1,560 | 17,714 | -1,248 |
| Free Cash Flow | 14,066 | 17,814 | -6,910 | -7,620 | -9,090 | -5,184 | 37,538 | -36,035 | -7,569 | -5,264 | 17,861 | 3,907 |
| CFO/OP | 52 | 84 | -42 | -43 | -41 | -24 | 160 | -159 | -28 | -13 | 37 | 9 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 6% | -19% | -4% | -17% | -14% | -7% | 4% | 6% | 6% | 10% | 12% | 12% |
Documents
Frequently Asked Questions about Bank of India
What does Bank of India do?
Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking. The Treasury operations segment includes the entire investment portfolio, which is dealing in government and other securities, money market operations and foreign exchange ...
Where is Bank of India (BANKINDIA) listed?
Bank of India is listed on the Indian stock exchanges. It is listed on NSE: BANKINDIA and BSE: 532149. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Bank of India belong to?
Bank of India operates in the Banks sector within the Public Sector Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Bank of India?
Bank of India has a market capitalisation of approximately ₹64911.94 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Bank of India?
The Price-to-Earnings (PE) ratio of Bank of India is 5.60. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Bank of India?
Over the past 52 weeks, Bank of India has traded between a low of ₹109.3 and a high of ₹178.36. This range helps investors understand the stock's price volatility and recent trading levels.
Does Bank of India pay dividends?
Yes, Bank of India has a dividend yield of 3.26%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Bank of India?
Bank of India has a Return on Equity (ROE) of 11.44%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Bank of India on Tapetide?
On Tapetide, you can view Bank of India's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking. The Treasury operations segment includes the entire investment portfolio, which is dealing in government and other securities, money market operations and foreign exchange operations.(Source : Company Web-site )
Website bankofindia.co.in
CEO Mr. Rajneesh Karnatak
Employees 50,564
Listed 1997-04-30
Face Value ₹ 10
Issued Size 4,55,26,67,866