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Bank of India

₹ 1533.60%
14 Jan – close price
🔗bankofindia.co.inâ€ĸBSE: 532149â€ĸNSE: BANKINDIA
Market Cap₹ 69,597 Cr.
Current Price₹ 153
High / Low₹ 154
Stock P/E7.00
Book Value₹ 180
Dividend Yield2.65 %
ROCE6.15 %
ROE12.3 %
Face Value₹ 10.0
Sales₹ 73,292 Cr.
OPM72.1 %
Mar Cap₹ 69,597 Cr.

ABOUT

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 )

KEY POINTS

Market PositionThe bank ranks as the sixth-largest nationalized bank in India, with advances of Rs. 5.85 lakh Cr and a total business (Advances + Deposits) of Rs. 13.24 lakh Cr as of FY24.[1][2]

Also present in buckets:
Aggressive Growth TriggersAggressive Growth TriggersExcellent ResultsExcellent ResultsRevenue GuidanceAsset Base ExpansionAsset Base ExpansionCapacity Expansion And ProductsCapacity Expansion And ProductsPreferential IssuanceOrder Book PositionLarge Order ReceiptsLarge Order ReceiptsJv Partnerships AcquisitionsCredit Rating UpdatesCredit Rating UpdatesRed Flags And Poor PerformanceRed Flags And Poor PerformanceRed Flags And Poor PerformanceRed Flags And Poor Performance

Peer Comparision

S.No.NameCurrent Price (Rs.)Price to EarningMarket Capitalization (Rs.Cr.)Dividend yield (%)Net Profit latest quarter (Rs.Cr.)YOY Quarterly profit growth (%)Sales latest quarter (Rs.Cr.)YOY Quarterly sales growth (%)Return on capital employed (%)Sales (Rs.Cr.)OPM (%)Profit after tax (Rs.Cr.)Profit after tax latest quarter (Rs.Cr.)Price to book valueReturn on assets (%)Debt to equity
1.SBI1028.3512.08949230.561.5521860.59-4.25128040.505.786.47505419.8446.3678596.3618941.271.671.1511.08
2.Bank of Baroda307.708.27159122.812.715180.63-4.1433318.244.446.29131574.3263.6419236.145133.561.001.1810.53
3.Punjab Natl.Bank128.688.68147891.192.255120.598.7232512.766.786.32129502.9873.6417035.455125.281.041.0712.22
4.Canara Bank153.897.29139588.252.604896.4315.8132071.976.266.79125841.2560.8519140.984850.031.211.0814.05
5.Union Bank (I)179.277.23136847.652.655072.699.7326819.180.376.72108368.2467.1818937.805072.691.041.249.95
6.Indian Bank846.409.67114007.031.923108.6311.0116628.288.196.3864543.1768.7211785.543107.971.481.3510.65
7.Bank of India152.877.0069596.632.652554.577.6218406.096.066.1573292.0172.129949.292554.570.850.9311.87
–Median: 12 Co.140.788.4791801.832.082831.610.3717517.186.686.2268917.5964.0210867.422831.271.171.0810.9

Quarterly Results

Standalone figures in ₹ crores

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Sales
–––––––––––––
Expenses
5,0395,2546,4904,4494,4904,1545,9565,1945,3984,4185,9435,3214,754
Operating Profit
–––––––––––––
Other Income
1,4171,4323,0991,4621,6881,1931,7511,3022,5181,7463,4282,1662,220
Profit before tax
1,4621,7732,1332,9282,9372,5031,7312,3843,1043,3993,5472,9133,380
Tax %
34%35%37%47%50%25%17%29%24%26%26%23%24%
Net Profit
9601,1511,3501,5511,4581,8701,4391,7032,3742,5172,6262,2522,555
EPS in Rs
2.342.803.293.783.554.113.163.745.215.535.774.955.61

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales
–––––––––––––
Expenses
11,34913,49622,88220,98324,35426,66326,18817,50316,01120,72518,55020,35920,436
Operating Profit
–––––––––––––
Other Income
4,2924,2333,6536,7725,7344,6596,7136,8427,8797,1006,0958,9949,560
Interest
27,08032,08630,07227,46527,56527,11027,09626,33024,01427,37337,65746,43249,177
Depreciation
228285286-125203673853723644214995940
Profit before tax
3,5451,795-7,791-2,373-8,633-8,713-4,6033,2375,5676,22910,09912,43413,239
Net Profit
2,7291,709-6,089-1,558-6,044-5,547-2,9572,1603,4054,0236,3189,2199,949
EPS in Rs
42.4925.70-74.57-14.77-34.67-20.10-9.026.598.309.8013.8820.2521.86
Dividend Payout %
12%19%0%0%0%0%0%0%24%20%20%20%–

Compounded Sales Growth

10 Years:5%
5 Years:11%
3 Years:23%
TTM:12%

Compounded Profit Growth

10 Years:18%
5 Years:38%
3 Years:40%
TTM:35%

Stock Price CAGR

10 Years:5%
5 Years:23%
3 Years:18%
1 Year:53%

Return on Equity

10 Years:0%
5 Years:8%
3 Years:10%
Last Year:12%

Balance Sheet

Standalone figures in ₹ crores

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital
6436668171,0551,7442,7603,2783,2784,1044,1044,5534,5534,553
Reserves
29,28030,78131,50031,43233,79743,55940,53945,40851,02754,86664,32774,04877,287
Borrowings
–––––––––––––
Other Liabilities
17,73915,15713,50914,3849,59113,79717,92017,58924,82622,02024,87323,58324,385
Total Liabilities
573,064618,568609,914626,309609,575625,220656,994725,853734,614815,556912,5981,042,5821,077,458
Fixed Assets
5,6445,7738,2908,2658,1078,7208,6908,5509,4909,85210,07911,76011,716
Gross Block
8,181.468,765.2811,991.7010,518.0910,888.7411,541.4511,821.9112,046.6313,139.5113,905.8014,619.0916,626.30–
Accumulated Depreciation
2,537.962,992.363,701.932,252.772,781.512,821.243,131.543,496.363,649.954,053.374,540.284,866.38–
CWIP
1431131911971582002923642851091481790
Investments
114,152119,792118,849127,827137,111147,639158,573187,253174,448204,398227,144259,112260,900
Other Assets
453,125492,890482,585490,020464,198468,661489,439529,686550,390601,197675,227771,531804,843
Total Assets
573,064618,568609,914626,309609,575625,220656,994725,853734,614815,556912,5981,042,5821,077,458

Cash Flows

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity
6,42414,53322,025-7,478-6,423-9,192-4,83438,063-35,316-5,799-2,93318,242
Cash from Investing Activity
-624-807-427265-499151-350-337-835-1,345-1,890-821
Cash from Financing Activity
7451,2954,8643,9596,9177,970-3,1712,3981,128-183,365-77
Net Cash Flow
6,54615,02126,461-3,253-5-1,071-8,35540,124-35,023-7,162-1,45817,344

Ratios

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days
––––––––––––
Inventory Days
––––––––––––
Days Payable
––––––––––––
Cash Conversion Cycle
––––––––––––
Working Capital Days
––––––––––––
ROCE %
––––––––––––

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters
81.41%81.41%81.41%81.41%73.38%73.38%73.38%73.38%73.38%73.38%73.38%73.38%73.38%
FIIs
2.23%2.67%2.25%2.92%4.31%4.52%3.61%3.21%2.92%3.88%3.53%4.24%5.82%
DIIs
10.56%10.36%9.90%9.55%14.65%15.82%15.46%16.26%16.40%15.90%15.97%15.63%15.18%
Public
5.80%5.57%6.44%6.11%7.65%6.27%7.55%7.13%7.30%6.83%7.13%6.76%5.62%

* The classifications might have changed from Sep'2022 onwards.ℹī¸

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

Bank of India reports provisional Q4 FY26 results, showing growth in deposits and advances

2nd April 2026, 11:22 pm

Bank of India Intimates Annual Interest Payment for Basel III Compliant Bonds

2nd April 2026, 9:06 pm

Bank of India Promoter 'President of India' Declares No Share Encumbrance for FY2025-26

1st April 2026, 9:09 pm

Bank of India Redeems Rs 602 Crore Additional Tier I Bonds

30th March 2026, 8:48 pm

Bank of India Fined ₹58.50 Lakhs by RBI for Service Charge and TDR Interest Violations

28th March 2026, 12:34 am

Published by Other Websites

External media mentions & references

Bank of India Posts Strong Q4 Growth, Global Business Jumps 14.5%

2nd April 2026, 8:46 pm

Govt Targets UPI Failure Surge, Pushes Banks for Uptime Boost

30th March 2026, 6:18 am

RBI Fines Bank of India, Central Bank for Regulatory Lapses

27th March 2026, 7:28 pm

India PSU Banks Slump as Oil Shock, Rising Bond Yields Hit Valuations

27th March 2026, 1:57 pm

Home Loan Rates: Banks Compete as RBI Holds Repo Rate Steady

27th March 2026, 1:53 pm

News Articles

Editorial & research coverage

PSU Banks Surge: SBI Fuels Rally, But Sustainability Questions Arise
PSU Banks Surge: SBI Fuels Rally, But Sustainability Questions Arise

9th February 2026, 11:30 am

Market Surges on FII Return, Trade Deal Hype; SBI Hits Record
Market Surges on FII Return, Trade Deal Hype; SBI Hits Record

9th February 2026, 11:27 am

PSU Banks Soar to Record High on SBI's Stellar Earnings Beat
PSU Banks Soar to Record High on SBI's Stellar Earnings Beat

9th February 2026, 10:27 am

PSU Banks Tank on Budget's Record Borrowing Surge
PSU Banks Tank on Budget's Record Borrowing Surge

1st February 2026, 1:10 pm

PSU Banks Gain Ground as Private Lenders Face Growth Slowdown
PSU Banks Gain Ground as Private Lenders Face Growth Slowdown

27th January 2026, 1:08 pm

Documents

Announcements

Reconciliation Of Share Capital Audit Report For Quarter Ended 31St Dec 2025.

2d - Share capital reconciliation for quarter ended 31 Dec 2025; issued capital 4,55,38,44,966 shares.

Board Meeting Intimation for Intimation Of Board Meeting For Approval Of Unaudited (Reviewed) Financial Results For The 3Rd Quarter Ended 31-12-2025

12 Jan - Board meeting on 21 Jan 2026 to approve unaudited Q3 results ended 31 Dec 2025.

Change In Senior Management Of The Bank - Assignment Of Cgms

7 Jan - Bank of India reassigns senior management roles for Pathak, Rai, Deshpande, Thapliyal effective 07 Jan 2026

Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Q3 FY26 Financial Results (Provisional)

2 Jan - Provisional Q3 FY26 (31.12.2025): Business ₹1,627,098cr; Deposits ₹887,287cr; Gross advances ₹739,811cr.

Annual Reports

Financial Year 2025

(from bse)

Financial Year 2024

(from bse)

Financial Year 2023

(from bse)

Financial Year 2022

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Financial Year 2021

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Financial Year 2020

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Financial Year 2019

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Financial Year 2018

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Financial Year 2017

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Financial Year 2016

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Financial Year 2015

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Financial Year 2014

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Financial Year 2013

(from bse)

Financial Year 2012

(from bse)

Financial Year 2011

(from bse)

Credit Ratings

Rating update

18 Dec from care

Rating update

18 Dec from crisil

Rating update

20 Nov 2025 from icra

Rating update

13 Nov 2025 from care

Rating update

29 Aug 2025 from smera

Rating update

20 Aug 2025 from infomerics

Concalls

Oct 2025

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Stock Analysis

Description

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 )

Key Growth Triggers

  1. Management guidance for FY26 includes advances growth of 12-13% and deposits growth of 10-11%.
  2. Robust business expansion demonstrated in Q2 FY26 with global advances up 14.03% and deposits up 10.08% YoY.
  3. Continued improvement in asset quality, with Gross NPAs at 2.54% in Q2 FY26, supporting profitability.
  4. Strategic initiatives like BOI TradeEasy for MSMEs and new NRI deposit schemes are in place.

Order Book

Currently no data available for Order Book.

Key Red Flags

  1. Previous minor penalties from RBI for currency chest irregularities have been disclosed, with the bank stating no material financial impact.
  2. Historical data indicates a low interest coverage ratio and a low return on equity over the last three years.
  3. Significant contingent liabilities exist, amounting to ₹6,71,647 Cr.
  4. Concerns about potential capitalization of interest costs exist.

Key Dates To Watch

  1. January 21, 2026: Board Meeting to approve Q3 FY26 unaudited financial results.
  2. January 21, 2026: Earnings Call to discuss Q3 FY26 financial results.

Corporate Announcements

2nd Apr 26
Impact Rating: 9
Bank of India announced provisional Q4 FY26 financial results, highlighting a year-on-year growth in global business to ₹14,82,588 crore, global deposits at ₹8,16,541 crore, and domestic deposits reaching ₹7,00,298 crore.
2nd Apr 26
Impact Rating: 3
Bank of India has completed its annual interest payment for various Basel III compliant bonds on April 2, 2026. The total disbursed amount for Additional Tier I, Tier II, and Infra Bonds reached approximately ₹17,961.78 crore.
1st Apr 26
Impact Rating: 4
As per SEBI SAST Regulations, Bank of India has declared that its promoter, the President of India, and associated parties did not create any encumbrance on shares during the financial year 2025-26.
30th Mar 26
Impact Rating: 6
Bank of India announced the full redemption of its 9.30% Additional Tier I Bonds Series VII for ₹602 crore on March 30, 2026, as per its call option, settling principal and broken period interest.
27th Mar 26
Impact Rating: 6
Bank of India has been fined ₹58.50 lakh (₹0.59 cr) by the RBI over issues with service charges and TDR interest. The bank confirmed this penalty will not materially impact its operations.