IDBI Bank Ltd logo

IDBI Bank Ltd

IDBI NSE

IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.

AI Verdict: HOLD Confidence: 5%

IDBI Bank trades at an attractive PE of 10.2x with strong 43% profit CAGR over 5 years, but near-zero sales growth on a TTM basis, massive contingent liabilities of Rs.3,35,786 Cr, and uncertainty around the pending privatization make the risk-reward balanced at current levels. The stock has delivered -4% returns over the past year, suggesting the market is already pricing in execution concerns.

Key Fundamentals

MidcapPrivate BankBanks
Market Cap
₹93,987 Cr
Volatility
Moderate
P/E Ratio
10.08
EBITDA
₹0.00 Cr
Return on Equity
11.35%
Debt to Equity
0
Book Value
₹53.99
EPS
₹5.85
52W High
₹118.38
52W Low
₹61.01

Technical Indicators

Key Insights

Strengths

1
  • Company has delivered good profit growth of 43.5% CAGR over last 5 years

Weaknesses

5
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 7.78% over past five years.
  • Company has a low return on equity of 13.2% over last 3 years.
  • Contingent liabilities of Rs.3,35,786 Cr.
  • Company might be capitalizing the interest cost

Growth Rate

Revenue Growth
-14.80% ↘
Net Income Growth
20.31% ↗
Cash Flow Change
2159.55% ↗
ROE
9.16% ↗
ROCE
7.27% ↗
EBITDA Margin (Avg.)
-12.37% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 1d ago
HOLD
Risk high

IDBI Bank trades at an attractive PE of 10.2x with strong 43% profit CAGR over 5 years, but near-zero sales growth on a TTM basis, massive contingent liabilities of Rs.3,35,786 Cr, and uncertainty around the pending privatization make the risk-reward balanced at current levels. The stock has delivered -4% returns over the past year, suggesting the market is already pricing in execution concerns.

Bull Case 8
  • Exceptional profit growth of 43% CAGR over last 5 years, indicating successful turnaround from NPA-heavy past
  • Attractive valuation at PE of 10.2x, below the banking sector average of 14-16x for mid-cap banks
  • TTM profit growth of 21% shows continued earnings momentum even on a higher base
  • Improving ROE trajectory from -3% over 10 years to 14% in the last year, reflecting balance sheet cleanup
  • Dividend yield of 2.4% provides income cushion and signals management confidence in sustained profitability
  • 3-year stock CAGR of 18% demonstrates strong medium-term re-rating post-turnaround
  • Price-to-book of 1.62x is reasonable for a bank with improving return ratios and privatization optionality
  • Market cap of Rs.93,299 Cr provides adequate liquidity and institutional investor interest
Bear Case 8
  • Massive contingent liabilities of Rs.3,35,786 Cr — over 3.6x the market cap — pose material tail risk
  • Near-zero TTM sales growth (0%) indicates stagnating core lending and fee income
  • Poor 5-year sales CAGR of just 8% and 10-year sales CAGR of 0% show structural revenue challenges
  • Low interest coverage ratio suggests vulnerability to rate cycle changes and asset quality deterioration
  • Stock has delivered -4% over the past 1 year, underperforming broader market and banking peers
  • 3-year ROE of only 13% is below top-tier private banks (16-18%), limiting re-rating potential
  • Potential capitalization of interest costs raises concerns about reported profit quality and true asset health
  • Privatization process remains uncertain with no confirmed timeline, creating overhang and governance ambiguity

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 14h ago
Headwinds 3
  • SEBI penalty on subsidiary May 28

    SEBI imposed Rs 2 lakh penalty on IDBI Trusteeship Services Ltd for regulatory lapses found during a thematic inspection regarding issuer defaults.

  • Q4 net profit falls 5% Jun 17

    IDBI Bank's Q4 FY26 PAT dropped 5% YoY to Rs 1,943.2 crore from Rs 2,051.2 crore due to rising cost of funds.

  • Divestment valuation uncertainty Jun 17

    Fresh valuation of IDBI Bank will take about a month to complete, with no decision yet on reserve price amid difficult market conditions for the transaction.

Positives 4
  • Shares surge 18% on divestment hope Jun 17

    IDBI Bank shares soared 18.16% to Rs 91.16 with volumes at 13.27x daily average after government confirmed strategic sale is on track for FY27 completion.

  • Asset quality improves sharply Jun 17

    Gross NPAs eased to 2.32% from 2.57% QoQ (Rs 6,028 crore vs Rs 6,695 crore YoY) and net NPAs narrowed to 0.15% from 0.18% sequentially.

  • NII grows 17% YoY Jun 17

    Net interest income advanced 17% YoY to Rs 3,851.5 crore in Q4 FY26 with NIM improving to 4.15% from 4% a year ago.

  • Strong fundamentals provide downside protection Jun 15

    Moneycontrol analysis highlights IDBI Bank's strong profitability, healthy asset quality, and sizeable balance sheet as protective factors amid disinvestment uncertainty.

Neutral 4
  • Board to consider bond redemption Jun 23

    IDBI Bank board meets June 30, 2026 to consider early redemption of bonds worth Rs 5 crore issued in FY 2008-09 and FY 2009-10.

  • Privatisation confirmed in progress Jun 16

    Government sources confirmed IDBI Bank privatisation remains in progress with 60.72% stake sale (Centre 30.48% + LIC 30.24%) but no specific timelines disclosed.

  • No new LIC encumbrance on shares Jun 6

    LIC confirmed no additional encumbrance on IDBI Bank shares in FY26, adhering to SEBI disclosure regulations.

  • 22nd AGM via video conference May 27

    IDBI Bank will conduct its 22nd AGM exclusively through VC/OAVM; shareholders advised to update email IDs and KYC details.

TL;DR: IDBI Bank is seeing renewed investor interest driven by government reaffirmation that its 60.72% stake divestment is on track for FY27, triggering an 18% single-day rally and 27% gains over four sessions. Operationally, the bank shows strong asset quality improvement (gross NPA at 2.32%, net NPA at 0.15%) and healthy NII growth of 17%, though PAT dipped 5% on higher funding costs. The key risk remains execution uncertainty around the privatisation timeline and reserve price valuation. The trend is cautiously improving as long as divestment momentum holds and fundamentals stay intact.

Quarterly Results

  Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue
5,729
6,864
6,038
6,549
6,995
6,670
7,445
7,819
6,983
7,027
7,109
7,080
7,804
Expenses
3,167
3,067
1,701
2,444
2,565
1,553
2,781
2,382
2,415
2,091
1,651
2,000
2,757
Financing Profit
118
936
1,372
1,003
1,132
1,688
1,102
1,854
885
1,085
1,642
1,218
1,102
Fin. Margin %
2%
14%
23%
15%
16%
25%
15%
24%
13%
15%
23%
17%
14%
Other Income
1,404
907
1,025
1,031
961
857
1,368
810
2,107
1,472
2,155
1,271
1,714
Interest
2,445
2,861
2,966
3,102
3,298
3,428
3,562
3,583
3,683
3,851
3,816
3,862
3,944
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
1,521
1,843
2,397
2,034
2,093
2,546
2,470
2,664
2,991
2,557
3,797
2,489
2,816
Tax %
21%
33%
42%
27%
21%
32%
25%
28%
31%
21%
15%
21%
29%
Net Profit
1,223
1,234
1,393
1,515
1,672
1,739
1,869
1,954
2,094
2,024
3,241
1,959
2,013
EPS in Rs
1.13
1.14
1.29
1.4
1.55
1.61
1.73
1.81
1.94
1.88
3
1.82
1.87
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue
28,164
28,058
27,805
23,046
22,102
20,854
19,956
18,316
20,592
26,446
28,917
29,020
Expenses
8,424
14,339
18,130
20,698
24,118
20,146
10,515
9,975
10,232
9,233
8,594
8,499
Financing Profit
-2,647
-8,212
-12,344
-15,028
-18,178
-13,133
-1,967
-781
1,229
4,986
6,067
5,046
Fin. Margin %
-9%
-29%
-44%
-65%
-82%
-63%
-10%
-4%
6%
19%
21%
17%
Other Income
4,189
3,518
4,207
7,248
3,535
4,631
4,848
4,959
4,617
3,975
5,209
6,612
Interest
22,387
21,931
22,019
17,376
16,162
13,841
11,408
9,122
9,130
12,226
14,257
15,474
Depreciation
141
218
362
377
370
394
397
417
499
543
538
0
PBT
1,401
-4,912
-8,498
-8,157
-15,013
-8,896
2,484
3,760
5,346
8,418
10,738
11,658
Tax %
32%
-26%
-40%
0%
0%
44%
42%
32%
30%
31%
29%
21%
Net Profit
957
-3,574
-4,997
-8,116
-14,970
-12,819
1,532
2,557
3,728
5,814
7,656
9,237
EPS in Rs
5.87
-17.44
-24.36
-26.37
-19.37
-12.36
1.41
2.36
3.45
5.38
7.1
8.57
Div. Payout %
13%
0%
0%
0%
0%
0%
0%
0%
29%
28%
30%
0%
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
1,604
2,059
2,059
3,084
7,736
10,381
10,752
10,752
10,752
10,752
10,752
10,752
Reserves
22,771
26,000
21,204
18,824
30,610
24,455
26,876
31,819
35,567
40,321
50,868
57,812
Borrowing
45,838
70,592
56,364
63,186
45,288
36,749
15,908
14,345
12,638
17,083
19,932
28,104
Deposits
2,75,518
2,65,087
2,68,216
2,47,777
2,27,190
2,22,214
2,30,707
2,32,850
2,55,313
2,77,366
3,09,975
3,46,776
Other Liabilities
10,314
11,537
14,646
18,039
10,287
6,901
14,410
12,773
17,227
19,138
21,435
23,942
Total Liabilities
3,56,044
3,75,275
3,62,488
3,50,909
3,21,111
3,00,699
2,98,653
3,02,540
3,31,498
3,64,659
4,12,962
4,67,386
Fixed Assets
3,026
7,041
6,893
6,350
7,842
7,719
7,402
9,587
9,303
9,435
12,120
9,775
CWIP
54
481
541
502
468
488
471
400
477
108
80
0
Investments
97,347
92,810
93,075
91,848
93,328
81,996
81,471
83,475
1,00,409
1,15,719
1,18,453
1,28,440
Other Assets
2,55,617
2,74,943
2,61,980
2,52,208
2,19,474
2,10,496
2,09,309
2,09,078
2,21,309
2,39,398
2,82,309
3,29,170
Total Assets
3,56,044
3,75,275
3,62,488
3,50,909
3,21,111
3,00,699
2,98,653
3,02,540
3,31,498
3,64,659
4,12,962
4,67,386
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-1,991
-567
8,000
-12,514
-34,215
208
10,214
5,068
-2,701
-1,252
25,796
16,762
Investing
-272
-715
-464
720
116
-296
-59
-192
-283
-217
-338
1,422
Financing
-61
2,927
1,889
12,843
21,622
9,279
-5,342
-4,383
-3,569
-1,768
-6,990
-5,765
Net Cash Flow
-2,323
1,645
9,424
1,049
-12,477
9,191
4,813
492
-6,554
-3,237
18,467
12,419
Free Cash Flow
-2,262
-1,282
7,536
-11,794
-34,099
-87
10,155
4,873
-2,996
-1,474
25,452
16,454
CFO/OP
-10
-4
83
-533
1,697
29
108
61
-26
-5
118
80
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
4%
-14%
-20%
-38%
-50%
-35%
4%
6%
8%
12%
14%
14%

Shareholding Pattern

As of Mar 2026
Promoters 94.71%
Public 3.82%
Others 0.81%
FIIs 0.56%
DIIs 0.09%
Government 0.01%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
94.71%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.45%
0.47%
0.46%
0.42%
0.46%
0.54%
0.47%
0.51%
0.56%
DIIs
1.56%
1.30%
0.70%
0.38%
0.37%
0.22%
0.15%
0.19%
0.18%
0.16%
0.24%
0.16%
0.16%
0.15%
0.17%
0.17%
0.18%
0.15%
0.12%
0.12%
0.09%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
Public
2.92%
3.24%
3.35%
3.73%
3.71%
4.15%
4.18%
4.13%
4.08%
4.05%
3.88%
4.04%
3.87%
3.92%
3.93%
3.96%
3.85%
3.72%
3.93%
3.85%
3.82%
Others
0.81%
0.74%
1.24%
1.18%
1.21%
0.91%
0.95%
0.95%
1.01%
1.07%
1.16%
1.09%
0.80%
0.73%
0.72%
0.73%
0.78%
0.86%
0.76%
0.80%
0.81%
No. of Shareholders
5,40,998
5,80,135
5,14,671
5,60,916
5,69,481
5,93,561
5,95,301
5,84,625
5,98,415
5,82,160
6,08,490
6,36,699
6,72,434
6,82,099
7,15,361
7,23,519
7,21,423
6,92,523
6,99,102
6,87,895
7,13,776

Documents

1
Concall - Apr 2026 Apr 2026
2
Concall - May 2018 May 2018
3
Concall - Aug 2018 Aug 2018
4
Concall - Nov 2018 Nov 2018
5
Concall - Aug 2019 Aug 2019

Frequently Asked Questions about IDBI Bank Ltd

What does IDBI Bank Ltd do?
IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.
Where is IDBI Bank Ltd (IDBI) listed?
IDBI Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: IDBI and BSE: 500116. You can view its live share price, financials, and ratios on Tapetide.
Which sector does IDBI Bank Ltd belong to?
IDBI Bank Ltd operates in the Financial Services sector within the Banks industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of IDBI Bank Ltd?
IDBI Bank Ltd has a market capitalisation of approximately ₹93986.75 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of IDBI Bank Ltd?
The Price-to-Earnings (PE) ratio of IDBI Bank Ltd is 10.08. 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 IDBI Bank Ltd?
Over the past 52 weeks, IDBI Bank Ltd has traded between a low of ₹61.01 and a high of ₹118.38. This range helps investors understand the stock's price volatility and recent trading levels.
Does IDBI Bank Ltd pay dividends?
Yes, IDBI Bank Ltd has a dividend yield of 2.42%. 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 IDBI Bank Ltd?
IDBI Bank Ltd has a Return on Equity (ROE) of 11.35%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research IDBI Bank Ltd on Tapetide?
On Tapetide, you can view IDBI Bank Ltd'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

IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.

Website idbi.com
CEO Mr. Rakesh Kumar Sharma
Employees 17,555
Listed 1995-09-20
Face Value ₹ 10
Issued Size 10,75,24,02,175

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