IDBI Bank Limited IDBI NIFTY_SMALLNSEFINANCIALPSU
IDBI Bank Limited provides banking and financial solutions to retail and corporate customers in India. It operates through three segments: Corporate/Wholesale Banking, Retail Banking, and Treasury Operations. The company offers savings, current, and salary accounts, as well as fixed deposits; home, auto, education, and personal loans, as well as loans against properties and securities; debit, credit, and prepaid cards; mobile and Internet banking; and investment advisory and capital market services. It also provides fund and non-fund-based assistance; packing credit to exporters; receivable buyout with recourse; channel financing for dealers of corporates; scheme for financing automated teller machines/cash dispense vendors; technology upgrading fund scheme for textile and jute industries; and lending to non-banking finance companies/housing finance companies and commercial real estate sector. In addition, the company offers bank guarantees, letters of credit, documentary collection, and bill discounting services; cash management, trade finance, and remittance services; and debt syndication and advisory services. Further, it provides finance to micro, small, and medium enterprises; agriculture finance; products and services for non-resident Indians; treasury services, such as call money/ notice money / term money, commercial papers, certificate of deposit, government securities, treasury bills, corporate bonds, and equities; and foreign currency services comprising remittances, currency forward contracts, LTFX, FX-retail, currency options, swaps, FRA, currency exchange, and exchange traded derivative contracts. The company was formerly known as IDBI Ltd. and changed its name to IDBI Bank Limited in May 2008. IDBI Bank Limited was founded in 1964 and is headquartered in Mumbai, India.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 43.4%.
- Compounding revenue at 11.6% over 5 years.
- Profit CAGR of 44.4% over 5 years.
- Attractive dividend yield of 2.84%.
CONS
- Trading 36.4% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | IDBI IDBI Bank Limited NIFTY_SMALLNSEFINANCIALPSU | 73.83 | 8.55 | ₹79,384.99 Cr | 2.84% | - | 14.15% | 11.55% | 44.41% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 5,250.73 Cr | 5,045.97 Cr | 3,598.15 Cr | 4,647.23 Cr | 4,489.12 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 2,945.87 Cr | 2,386.50 Cr | -82.14 Cr | 2,475.94 Cr | 2,603.49 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 3,562.06 Cr | 3,583.02 Cr | 3,683.19 Cr | 3,851.30 Cr | 3,862.49 Cr |
| Pretax Income | 2,469.87 Cr | 2,663.53 Cr | -89.99 Cr | 2,556.59 Cr | 2,489.02 Cr |
| Tax Provision | 621.14 Cr | 734.44 Cr | 919.47 Cr | 532.72 Cr | 529.65 Cr |
| Net Income | 1,860.80 Cr | 1,948.07 Cr | 2,087.49 Cr | 2,019.18 Cr | 1,954.09 Cr |
| Diluted EPS | 1.73 | 1.81 | - | 1.88 | 1.82 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Revenue | 12,961.84 Cr | 14,998.11 Cr | 17,219.08 Cr | 17,993.73 Cr |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | 6,186.97 Cr | 6,900.14 Cr | 8,027.55 Cr | 8,242.72 Cr |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 9,121.54 Cr | 9,130.45 Cr | 12,226.36 Cr | 14,256.55 Cr |
| Pretax Income | 2,517.74 Cr | 3,686.84 Cr | 5,763.41 Cr | 7,588.99 Cr |
| Tax Provision | 1,202.73 Cr | 1,618.46 Cr | 2,604.05 Cr | 3,081.48 Cr |
| Net Income | 2,533.67 Cr | 3,706.06 Cr | 5,788.11 Cr | 7,630.68 Cr |
| Diluted EPS | 2.36 | 3.45 | 5.38 | 7.10 |
Compounded Sales Growth
| 5 Years: | 11.55% |
| 1 Year: | - |
Compounded Profit Growth
| 5 Years: | 44.41% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -19.90% |
| 6 Months: | -27.05% |
| 3 Months: | -34.74% |
| 1 Month: | -2.70% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Total Assets | 3.03 L Cr | 3.31 L Cr | 3.65 L Cr | 4.13 L Cr |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 50,602.52 Cr | 38,246.27 Cr | 32,669.42 Cr | 48,726.42 Cr |
| Inventory | - | - | - | - |
| Receivables | 5,799.20 Cr | 9,374.73 Cr | 12,180.86 Cr | 15,910.98 Cr |
| Total Liabilities | 2.60 L Cr | 2.85 L Cr | 3.13 L Cr | 3.51 L Cr |
| Current Liabilities | - | - | - | - |
| Long Term Debt | - | - | - | - |
| Total Debt | 11,944.98 Cr | 10,237.75 Cr | 14,682.70 Cr | 19,931.99 Cr |
| Total Equity | 42,571.71 Cr | 46,319.24 Cr | 51,073.06 Cr | 61,620.05 Cr |
| Shares Outstanding | 1,075.24 Cr | 1,075.24 Cr | 1,075.24 Cr | 1,075.24 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 5,067.78 Cr | -2,701.40 Cr | -1,252.49 Cr | 25,795.70 Cr |
| Investing Cash Flow | -194.65 Cr | -294.45 Cr | -221.95 Cr | -343.55 Cr |
| Financing Cash Flow | -4,383.06 Cr | -3,569.09 Cr | -1,767.54 Cr | -6,990.32 Cr |
| Capital Expenditure | -194.65 Cr | -294.45 Cr | -312.02 Cr | -349.67 Cr |
| Free Cash Flow | 4,873.13 Cr | -2,995.85 Cr | -1,564.51 Cr | 25,446.03 Cr |
| Net Change in Cash | 490.07 Cr | -6,564.94 Cr | -3,241.99 Cr | 18,461.83 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | 19.5% | 24.7% | 33.6% | 42.4% |
| ROE % | 6.0% | 8.0% | 11.3% | 12.4% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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