IDBI Bank Ltd logo

IDBI Bank Ltd

IDBI NSE

Key Fundamentals

MidcapPrivate BankBanks
Market Cap
₹88,632 Cr
Volatility
Moderate
P/E Ratio
9.56
EBITDA
₹9,828 Cr
Return on Equity
13.44%
Debt to Equity
0
Book Value
₹56.31
EPS
₹5.85
52W High
₹118.38
52W Low
₹61.01

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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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.2,89,480 Cr.
  • Company might be capitalizing the interest cost

Growth Rate

Revenue Growth
4.62% ↗
Net Income Growth
20.64% ↗
Cash Flow Change
-35.02% ↘
ROE
8.47% ↗
ROCE
-0.38% ↘
EBITDA Margin (Avg.)
8.05% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 3d ago
AI opinion · based on fundamentals
Risk high

IDBI Bank trades at a market cap of ₹90,127 Cr with a PE of 9.7x and PB of 1.49x. The bank has delivered strong profit CAGR of 43.5% over five years and improved asset quality (Net NPA at 0.15%, GNPA down to ~2.3%), but revenue growth remains sluggish at ~8% CAGR over five years and the strategic disinvestment process introduces significant uncertainty around ownership and valuation.

Bull Case 8
  • Compounded profit growth of 43.5% CAGR over the last 5 years, with FY26 net profit rising 27% YoY to ₹9,513 Cr, indicating sustained earnings momentum
  • Net NPA at just 0.15% and Gross NPA declining from 2.98% to 2.32% YoY in FY26, reflecting exceptional asset quality cleanup
  • Capital Adequacy Ratio (CRAR) at 24.63-26.92% — well above the regulatory minimum of ~11.5% — providing a large buffer for growth and potential stress
  • PE ratio of 9.7x is significantly below the banking sector average, offering valuation comfort relative to peers despite improved profitability
  • Net Interest Margin of 4.15% with 15 bps YoY improvement in FY25, indicating pricing power and healthy spread management
  • Dividend yield of 2.49% offers tangible return to shareholders while the privatisation process unfolds
  • ROE has improved from negative territory (10-year average of -3%) to 14% in the last year, showing a clear structural turnaround in return ratios
  • Strategic disinvestment process with Fairfax Holdings as reported frontrunner (bid of ₹81/share for ~60.7% stake worth ~₹53,000 Cr) could unlock value through private-sector management and operational efficiencies
Bear Case 8
  • Revenue growth remains weak — compounded sales CAGR of only 7.78% over 5 years and TTM sales growth of just 1%, suggesting limited topline expansion
  • Contingent liabilities of ₹2,89,480 Cr represent a material overhang — roughly 3.2x the bank's market cap — posing tail risk if crystallised
  • Disinvestment uncertainty: bids reportedly missed the government's reserve price, shares fell 16% on privatisation setback news, and union opposition adds execution risk
  • Low interest coverage ratio flagged as a structural concern, indicating limited cushion on debt servicing within the bank's own balance sheet
  • 3-year ROE of only 13% remains below many private bank peers despite the turnaround, and 10-year ROE of -3% reflects a long legacy of value destruction
  • Government and LIC together hold 94.71% of shares, leaving extremely low free float (~5.3%) which creates liquidity risk and price volatility around any stake sale
  • Stock has declined 7% over the past one year, underperforming the broader banking index, suggesting market scepticism about near-term catalysts
  • Possible capitalisation of interest costs raises questions about reported profitability quality and true underlying earnings power

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

AI News Digest

Anthropic anthropic claude-opus-4.6 4h ago
Headwinds 1
  • Employee resistance to privatisation Jul 20

    IDBI Bank's employees forum has publicly opposed the planned stake sale to Fairfax and formally requested a review of the transaction, creating internal friction around the divestment process.

Positives 3
  • Q1FY27 profit up 5% YoY Jul 20

    Net profit rose 5% YoY to ₹2,115 crore in Q1FY27, with NII up 10% to ₹3,486 crore, net advances surging 22% to ₹2,58,968 crore, and GNPA improving to 2.30%.

  • Fairfax raises bid to ₹81/share Jul 20

    Fairfax emerged as frontrunner for IDBI Bank acquisition, raising its offer to ₹81 per share from ₹75, valuing the deal at $5.5B (₹528 Cr), signalling strong buyer conviction.

  • Deposits grow 10% YoY Jul 20

    Total deposits grew 10% YoY to ₹3,25,757 crore in Q1FY27, reflecting healthy liability franchise expansion alongside robust loan growth.

Neutral 1
  • 22nd AGM resolutions passed Jul 21

    IDBI Bank held its 22nd AGM on July 21, 2026 via video conferencing, passing all six resolutions including financial statement adoption and director appointments.

TL;DR: IDBI Bank is delivering solid operational performance with 22% loan growth, improving asset quality (GNPA at 2.30%), and steady profit expansion. The privatisation process is advancing with Fairfax raising its bid to ₹81/share, though employee opposition adds uncertainty to deal closure. Overall trend is positive on fundamentals, with the key near-term catalyst being resolution of the divestment process.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
6,864
6,038
6,549
6,995
6,670
7,445
7,819
6,983
7,027
7,109
7,080
7,804
7,549
Expenses
3,067
1,701
2,444
2,565
1,553
2,781
2,382
2,415
2,091
1,651
2,000
2,757
1,751
Financing Profit
936
1,372
1,003
1,132
1,688
1,102
1,854
885
1,085
1,642
1,218
1,102
1,745
Fin. Margin %
14%
23%
15%
16%
25%
15%
24%
13%
15%
23%
17%
14%
23%
Other Income
907
1,025
1,031
961
857
1,368
810
2,107
1,472
2,155
1,271
1,714
1,084
Interest
2,861
2,966
3,102
3,298
3,428
3,562
3,583
3,683
3,851
3,816
3,862
3,944
4,053
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
1,843
2,397
2,034
2,093
2,546
2,470
2,664
2,991
2,557
3,797
2,489
2,816
2,829
Tax %
33%
42%
27%
21%
32%
25%
28%
31%
21%
15%
21%
29%
25%
Net Profit
1,234
1,393
1,515
1,672
1,739
1,869
1,954
2,094
2,024
3,241
1,959
2,013
2,131
EPS in Rs
1.14
1.29
1.4
1.55
1.61
1.73
1.81
1.94
1.88
3
1.82
1.87
1.98
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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
29,542
Expenses
8,424
14,339
18,130
20,698
24,118
20,146
10,515
9,975
10,232
9,233
11,675
10,328
8,159
Financing Profit
-2,647
-8,212
-12,344
-15,028
-18,178
-13,133
-1,967
-781
1,229
4,986
2,985
3,217
5,707
Fin. Margin %
-9%
-29%
-44%
-65%
-82%
-63%
-10%
-4%
6%
19%
10%
11%
19%
Other Income
4,189
3,518
4,207
7,248
3,535
4,631
4,848
4,959
4,617
3,975
5,209
6,637
6,224
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
15,676
Depreciation
141
218
362
377
370
394
397
417
499
543
538
617
0
PBT
1,401
-4,912
-8,498
-8,157
-15,013
-8,896
2,484
3,760
5,346
8,418
7,656
9,237
11,931
Tax %
32%
-26%
-40%
0%
0%
44%
42%
32%
30%
31%
0%
0%
—
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
9,343
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
8.67
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
3,09,893
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
21,562
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
4,13,008
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
9,685
CWIP
54
481
541
502
468
488
471
400
477
108
80
90
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
2,82,355
3,29,171
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
4,13,008
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
1,441
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
12,438
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
140
88
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 Jun 2026
Promoters 94.71%
Public 3.81%
Others 0.90%
FIIs 0.46%
DIIs 0.11%
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 2026Jun 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%
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%
0.46%
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%
0.11%
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%
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%
3.81%
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%
0.90%
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
7,18,543

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 Banks sector within the Private Bank 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 ₹88632.05 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 9.56. 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 2.55%. 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 13.44%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research 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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