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Bank of India Limited BANKINDIA NIFTY_MIDNSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://bankofindia.bank.in
Company Profile ↓
₹145.00
+31.91% 1Y
Mkt Cap₹66,013.68 Cr
P/E6.40
P/B0.73
Div. Yield3.26%
52W High₹171.59
52W Low₹106.78
Book Value₹197.60
EPS (TTM)₹22.64

Company Overview

Bank of India Limited provides various banking products and services in India and internationally. It operates through Treasury; Wholesale Banking; and Retail Banking segments. The company accepts various deposit products, such as savings, salary, current, term, and rera account deposits. It also provides debit, credit, and prepaid cards; personal, home, vehicle, education, star reverse mortgage, and home loans, as well as loans against property; and finance to new and existing business, healthcare schemes, govt. sponsored schemes, and commercial vehicle finance services. In addition, the company offers credit, cash management, and trade finance services; government deposit schemes, including public provident fund, senior citizens savings, Sukanya Samridhi, national pension system, departmentalized ministries, sovereign and RBI bond, mahila samman savings certificate, and other schemes; mutual funds; and life, health, and general insurance products. Further, it provides NRI services, such as accounts, loans, and money remittance and ancillary services; kisan credit card; gold loans; self-help group; Atmanirbhar schemes; tractor/farm mechanization; food and agro loans; agri allied activities; kisan ghar and agri mortgage loan; agri clinic/agri business centers; and other loans services. Additionally, it offers internet banking, mobile banking, and payment services. The company was incorporated in 1906 and is headquartered in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 39.0% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 6.4, below the sector median of 19.6.

Healthy Margins

Maintains a net profit margin of 31.6%.

Dividend Income

Offers a dividend yield of 3.26%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹32,598.20 Cr (+3.4% YoY); net profit ₹10,306.30 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +3.4%, earnings +7.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 7.3%, profit CAGR 39.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:7.34%
1 Year:3.38%

Compounded Profit Growth

5 Years:39.00%
1 Year:7.94%

Stock Price Performance

1 Year:+31.91%
6 Months:-6.17%
3 Months:-1.84%
1 Month:+1.64%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 59% of range
₹106.78 ₹171.59
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)55.37 · Neutral
Price Performance
1M+1.64%
3M-1.84%
6M-6.17%
1Y+31.91%
Valuation vs Sector

P/E of 6.40 is below the sector median of 19.62 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.6%.
  • Profit CAGR of 39.0% over 5 years.
  • Attractive dividend yield of 3.26%.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
6.40
Industry PE
19.62
Forward P/E
5.58
PEG Ratio
-
Book Value
₹197.60
Price to Book
0.73
P/S
1.96
EV/EBITDA
-
Dividend Yield
3.26%

Growth (CAGR)

Revenue 5Y
7.34%
Profit 5Y
39.00%
Revenue (YoY)
3.38%
Earnings (YoY)
7.94%

Profitability & Returns

ROCE
-
ROE
11.46%
ROA
0.87%
Profit Margin
31.62%
Op Margin
48.54%
Gross Margin
0.00%
EPS (Latest Qtr)
₹7.25
EPS (TTM)
₹22.64

Balance Sheet & Liquidity

Debt/Equity
1.19
Quick Ratio
-
Current Ratio
-
Debt
₹1.07 L Cr
Total Assets
₹12.09 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
73.38%
Chg in Prom Hold
0.00%
FII / Inst Holding
15.25%
Chg in FII Hold
0.61%

Financial Snapshot

Enterprise Value
₹66,013.68 Cr
Total Revenue (TTM)
₹32,598.20 Cr
EBITDA
-
Free Cash Flow
₹3,862.75 Cr
Operating Cash Flow
₹4,752.86 Cr
Shares Outstanding
₹455.27 Cr
Gross Margin
0.00%
Payout Ratio
17.22%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 BANKINDIA Bank of India Limited NIFTY_MIDNSEFINANCIALPSU 145.00 6.40 ₹66,013.68 Cr 3.26% - 11.46% 7.34% 39.00%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 13,548.00 Cr14,442.00 Cr15,062.00 Cr15,319.00 Cr16,250.00 Cr17,046.00 Cr17,466.00 Cr7,931.89 Cr9,600.93 Cr8,356.79 Cr18,521.00 Cr8,874.97 Cr10,068.30 Cr9,556.44 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 6,590.00 Cr4,579.00 Cr4,546.00 Cr4,190.00 Cr6,041.00 Cr5,269.00 Cr5,456.00 Cr3,869.17 Cr4,685.49 Cr4,284.24 Cr4,849.00 Cr4,589.83 Cr4,768.04 Cr4,242.22 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 7,948.00 Cr8,467.00 Cr9,256.00 Cr9,792.00 Cr10,242.00 Cr10,693.00 Cr11,403.00 Cr12,165.79 Cr12,332.62 Cr12,320.83 Cr12,530.00 Cr12,504.24 Cr12,784.57 Cr13,155.84 Cr
Pretax Income 2,178.00 Cr2,880.00 Cr2,977.00 Cr2,539.00 Cr1,797.00 Cr2,422.00 Cr3,138.00 Cr3,446.65 Cr3,551.26 Cr2,439.00 Cr3,361.00 Cr3,673.52 Cr4,079.35 Cr4,166.87 Cr
Tax Provision 784.08 Cr1,382.40 Cr1,488.50 Cr634.75 Cr305.49 Cr678.16 Cr753.12 Cr887.85 Cr903.64 Cr675.05 Cr840.25 Cr923.51 Cr1,029.70 Cr1,028.41 Cr
Net Income 1,413.00 Cr1,562.00 Cr1,499.00 Cr1,931.00 Cr1,574.00 Cr1,890.00 Cr2,422.00 Cr2,636.70 Cr2,601.98 Cr1,829.56 Cr2,576.00 Cr2,812.29 Cr3,087.76 Cr3,302.58 Cr
Diluted EPS 3.443.813.654.243.464.155.325.795.724.025.666.186.787.25

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 43,685.00 Cr42,093.00 Cr39,585.00 Cr38,313.00 Cr41,005.00 Cr42,591.00 Cr40,854.00 Cr38,281.00 Cr26,360.41 Cr29,449.11 Cr31,531.89 Cr32,598.20 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 13,600.00 Cr19,842.00 Cr21,218.00 Cr24,618.00 Cr26,874.00 Cr26,386.00 Cr17,672.00 Cr16,263.00 Cr15,122.76 Cr15,748.26 Cr17,425.67 Cr17,851.37 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 32,220.00 Cr30,245.00 Cr27,606.00 Cr27,679.00 Cr27,207.00 Cr27,191.00 Cr26,421.00 Cr24,083.00 Cr27,440.64 Cr37,756.78 Cr46,594.18 Cr50,139.49 Cr
Pretax Income 1,852.00 Cr-4,612.00 Cr-2,412.00 Cr-8,660.00 Cr-8,587.00 Cr-4,692.00 Cr3,160.00 Cr5,655.00 Cr6,098.70 Cr10,193.13 Cr12,558.33 Cr14,071.50 Cr
Tax Provision 111.12 Cr-1,706.44 Cr820.08 Cr2,598.00 Cr3,177.19 Cr1,642.20 Cr1,074.40 Cr2,148.90 Cr2,216.62 Cr3,808.60 Cr3,218.86 Cr3,463.44 Cr
Net Income 2,015.00 Cr-6,276.00 Cr-1,492.00 Cr-5,982.00 Cr-5,426.00 Cr-3,051.00 Cr2,081.00 Cr3,487.00 Cr3,837.95 Cr6,564.46 Cr9,548.28 Cr10,306.30 Cr
Diluted EPS 30.27-75.98-13.94-34.20-19.67-9.316.368.519.3515.4820.9722.64

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 6.25 L Cr6.17 L Cr6.32 L Cr6.15 L Cr6.31 L Cr6.63 L Cr7.33 L Cr7.43 L Cr8.26 L Cr9.24 L Cr10.56 L Cr11.80 L Cr
Current Assets ------------
Cash & Equivalents --------84,683.28 Cr83,122.96 Cr1.01 L Cr99,589.38 Cr
Inventory ------------
Receivables --------39,981.67 Cr48,633.45 Cr50,293.59 Cr60,017.60 Cr
Total Liabilities --------7.65 L Cr8.54 L Cr9.76 L Cr10.89 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------62,323.23 Cr66,460.27 Cr93,869.46 Cr1.07 L Cr
Total Equity 32,523.00 Cr33,345.00 Cr33,629.00 Cr36,757.00 Cr47,652.00 Cr45,073.00 Cr49,981.00 Cr56,522.00 Cr60,432.94 Cr70,581.25 Cr80,725.75 Cr89,958.55 Cr
Shares Outstanding --------410.36 Cr455.27 Cr455.27 Cr455.27 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 14,638.00 Cr18,311.00 Cr-6,624.00 Cr-7,366.00 Cr-9,218.00 Cr-4,827.00 Cr37,868.00 Cr--7,045.04 Cr-4,436.94 Cr18,534.45 Cr4,752.86 Cr
Investing Cash Flow -755.00 Cr-609.00 Cr-371.00 Cr-260.00 Cr71.00 Cr-232.00 Cr-182.00 Cr--521.34 Cr-991.05 Cr-854.48 Cr-328.56 Cr
Financing Cash Flow 1,295.00 Cr4,864.00 Cr3,955.00 Cr7,185.00 Cr7,983.00 Cr-3,192.00 Cr2,398.00 Cr-540.77 Cr3,867.67 Cr34.24 Cr-5,672.09 Cr
Capital Expenditure -572.00 Cr-497.00 Cr-286.00 Cr-254.00 Cr128.00 Cr-357.00 Cr-330.00 Cr--623.29 Cr-850.53 Cr-723.05 Cr-890.11 Cr
Free Cash Flow 14,066.00 Cr17,814.00 Cr-6,910.00 Cr-7,620.00 Cr-9,090.00 Cr-5,184.00 Cr37,538.00 Cr--7,668.34 Cr-5,287.47 Cr17,811.40 Cr3,862.75 Cr
Net Change in Cash 15,179.00 Cr22,566.00 Cr-3,040.00 Cr-440.00 Cr-1,164.00 Cr-8,251.00 Cr40,085.00 Cr--7,025.61 Cr-1,560.32 Cr17,714.21 Cr-1,247.79 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 4.6%-14.9%-3.8%-15.6%-13.2%-7.2%5.1%9.1%14.6%22.3%30.3%31.6%
ROE % 6.2%-18.8%-4.4%-16.3%-11.4%-6.8%4.2%6.2%6.4%9.3%11.8%11.5%
ROCE % ------------

Shareholding Pattern

Insiders
73.38%
Institutions
15.25%
Public Float
57.30%

Analyst View

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Latest News

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BANKINDIA — Frequently Asked Questions

What is the current share price of Bank of India Limited (BANKINDIA)?

As of 2026-09-08 04:53 IST, Bank of India Limited (BANKINDIA) trades at ₹145.00 on NSE. Its 52-week range is ₹106.78 to ₹171.59.

What is the market capitalisation of BANKINDIA?

Bank of India Limited (BANKINDIA) has a market capitalisation of ₹66,013.68 Cr on NSE.

What is the P/E ratio of BANKINDIA?

BANKINDIA trades at a trailing price-to-earnings (P/E) ratio of 6.40. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 0.73.

Does BANKINDIA pay a dividend?

Bank of India Limited (BANKINDIA) currently offers a dividend yield of 3.26%.

What is the return on equity (ROE) of BANKINDIA?

BANKINDIA has a return on equity (ROE) of 11.46%.

Is BANKINDIA a good stock to buy?

This page provides a data-driven analysis of Bank of India Limited (BANKINDIA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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