Bank of India

NSE: BANKINDIA · Financial Services

₹138.57-0.31%06 Nov 2026

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Instant answers about Bank of India — computed from its filings, no language model

Market cap₹63,097 cr

Current price₹138.57

High / Low₹177 / ₹126

P/E5.0

P/B0.67

Book value₹206.5

ROE13.3%

ROCE—

Debt / equity—

Dividend yield2.92%

EPS (TTM)₹27.48

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY20	FY21	FY22	FY23	FY24	FY26
Total income	49,400	48,350	46,291	55,143	67,306	85,650
Pre-provision op. profit	11,596	10,923	10,038	13,329	14,243	17,260
Operating margin	23.5%	22.6%	21.7%	24.2%	21.2%	20.2%
Interest	27,191	26,421	24,083	27,441	37,757	50,139
Profit before tax	-4,570	3,278	5,574	6,099	10,193	13,553
Tax	-1,640	1,079	2,168	2,217	3,809	3,463
Net profit	-3,051	2,083	3,493	3,838	6,564	10,306
EPS ₹	-9.39	6.36	9.07	9.35	15.48	22.64
Operating cash flow	—	—	-35,487	-7,045	-4,437	4,753
Capex	—	—	572	623	851	890
Dividend paid	—	—	0	821	821	1,844
Total assets	6,63,019	7,32,790	7,43,131	—	9,24,280	11,79,552
Equity	45,073	46,980	56,522	—	70,742	89,959

Quarterly performance

last 28 quarters · ₹ crore

showing latest 8 of 28 periods

	JUN '19	SEP '19	DEC '19	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	11,613	12,063	13,431	12,293	12,022	12,478	12,373	11,477	11,766	11,758	11,271	11,553	13,001	14,218	16,716	15,926	16,779	16,521	18,080	18,384	19,998	20,098	20,678	20,740	21,379	22,853	22,712	24,137
Pre-provision op. profit	2,286	2,482	4,158	2,670	2,857	3,099	2,836	2,130	2,789	2,704	2,083	2,518	3,182	3,677	4,260	3,723	3,819	3,057	3,645	3,727	4,201	3,763	4,070	3,852	4,256	5,082	5,138	5,132
Operating margin	19.7%	20.6%	31.0%	21.7%	23.8%	24.8%	22.9%	18.6%	23.7%	23.0%	18.5%	21.8%	24.5%	25.9%	25.5%	23.4%	22.8%	18.5%	20.2%	20.3%	21.0%	18.7%	19.7%	18.6%	19.9%	22.2%	22.6%	21.3%
Other income	1,221	1,347	2,532	1,708	1,736	1,626	2,073	2,061	2,392	2,178	1,847	1,650	1,456	1,422	3,168	1,484	1,717	1,202	1,830	1,338	2,532	1,780	2,211	2,218	2,327	3,280	2,615	2,767
Interest	6,872	6,818	6,744	6,758	6,773	6,711	6,526	6,410	6,196	6,013	5,987	5,888	6,433	7,144	7,948	8,467	9,256	9,792	10,242	10,693	11,403	12,166	12,321	12,530	12,504	12,785	13,156	14,263
Profit before tax	364	422	130	-5,485	1,341	785	860	291	1,076	1,807	1,726	965	1,255	1,782	2,178	2,880	2,977	2,539	1,797	2,422	3,138	3,447	2,439	3,361	3,674	4,079	4,167	4,321
Tax	118	143	15	-1,916	490	260	316	13	378	735	734	321	503	623	790	1,379	1,489	643	298	688	740	888	675	835	924	1,030	1,028	1,099
Net profit	154	257	138	-3,601	846	543	610	83	735	1,073	996	688	854	915	1,412	1,562	1,499	1,930	1,574	1,888	2,421	2,637	1,830	2,577	2,812	3,088	3,303	3,309
EPS ₹	0.49	0.79	0.42	-10.99	2.58	1.66	1.86	0.25	2.18	2.80	2.43	1.68	2.08	2.23	3.44	3.81	3.65	4.59	3.46	4.15	5.32	5.79	4.02	5.66	6.18	6.78	7.25	7.27
Revenue YoY	—	—	—	—	3.5%	3.4%	-7.9%	-6.6%	-2.1%	-5.8%	-8.9%	0.7%	10.6%	26.2%	44.7%	—	29.1%	16.2%	8.2%	15.4%	19.2%	21.7%	12.5%	3.7%	6.4%	—	9.8%	16.4%
Profit YoY	—	—	—	—	448.9%	111.2%	341.7%	—	-13.1%	97.4%	63.2%	727.6%	-20.4%	-8.2%	105.1%	—	75.5%	111.0%	11.5%	20.9%	61.6%	36.6%	-3.1%	6.4%	6.7%	—	80.5%	28.4%

Earlier results (standalone, Sep '07 – Mar '19)

₹ crore · from BSE, before the NSE XBRL filings begin

Bank of India reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

showing latest 8 of 11 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†	FY19†
Total income	19,399	20,495	24,394	31,802	35,675	42,202	47,663	45,449	46,063	43,805	45,900
Pre-provision op. profit	5,457	4,705	5,384	6,694	7,458	8,423	7,488	6,036	9,733	7,139	8,092
Operating margin	28.1%	23.0%	22.1%	21.0%	20.9%	20.0%	15.7%	13.3%	21.1%	16.3%	17.6%
Other income	3,052	2,617	2,642	3,321	3,766	4,292	4,233	3,550	6,772	5,734	5,132
Interest	10,848	12,122	13,941	20,167	22,885	27,080	32,086	30,072	27,465	27,565	27,110
Profit before tax	4,164	2,494	3,495	3,578	3,008	3,545	1,795	-7,791	-2,373	-8,633	-8,713
Tax	1,157	753	1,007	900	258	816	86	-1,702	-814	-2,590	-3,166
Net profit	3,007	1,741	2,489	2,678	2,749	2,729	1,709	-6,089	-1,558	-6,044	-5,547

Quarters

showing latest 8 of 47 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†	DEC '18†	MAR '19†
Total income	3,504	3,705	4,155	4,115	4,612	5,394	5,278	5,024	5,165	5,058	5,248	5,408	5,740	6,116	7,130	7,294	7,728	8,002	8,778	8,550	8,900	8,960	9,266	9,722	10,340	10,866	11,274	11,329	12,099	11,947	12,287	11,659	11,318	11,087	11,385	10,664	11,469	11,594	12,336	11,107	11,600	10,376	10,722	10,843	10,800	11,840	12,417
Pre-provision op. profit	840	971	1,212	1,072	1,215	1,762	1,408	1,094	1,206	1,130	1,275	1,411	1,380	1,389	1,205	1,396	1,552	1,732	2,015	1,674	1,854	1,856	2,075	2,180	2,102	2,144	1,996	2,060	2,136	1,865	1,427	1,704	1,458	1,409	1,464	1,654	2,493	2,458	3,127	2,379	2,233	1,354	1,172	1,869	1,647	2,273	2,303
Operating margin	24.0%	26.2%	29.2%	26.1%	26.3%	32.7%	26.7%	21.8%	23.3%	22.3%	24.3%	26.1%	24.0%	22.7%	16.9%	19.1%	20.1%	21.6%	23.0%	19.6%	20.8%	20.7%	22.4%	22.4%	20.3%	19.7%	17.7%	18.2%	17.6%	15.6%	11.6%	14.6%	12.9%	12.7%	12.9%	15.5%	21.7%	21.2%	25.4%	21.4%	19.2%	13.1%	10.9%	17.2%	15.2%	19.2%	18.5%
Other income	528	554	653	566	650	1,051	785	646	676	572	723	586	584	648	823	660	842	852	967	841	894	937	1,094	1,181	1,100	1,097	914	1,024	1,006	1,080	1,122	841	778	1,047	884	1,238	2,011	1,769	1,754	1,611	1,706	1,041	1,375	830	1,030	1,669	1,603
Interest	1,989	2,072	2,285	2,368	2,600	2,822	3,060	3,077	3,080	2,991	2,973	3,081	3,380	3,481	4,000	4,793	4,982	5,083	5,310	5,666	5,810	5,714	5,696	6,004	6,712	7,050	7,313	7,618	8,062	8,088	8,319	7,906	7,520	7,332	7,314	6,651	6,739	6,962	7,113	6,963	6,986	6,834	6,783	6,659	6,843	6,839	6,770
Profit before tax	541	740	926	723	928	1,490	1,023	870	604	553	466	1,025	852	891	728	829	397	1,039	1,313	1,201	302	940	564	1,486	870	740	449	1,167	1,172	285	-829	189	-1,779	-2,195	-4,006	-1,116	197	156	-1,609	134	280	-3,545	-5,502	-695	-1,696	-6,728	406
Tax	115	228	169	161	165	617	213	286	280	148	38	300	235	238	234	311	-94	323	360	314	0	137	-192	522	248	154	-109	362	386	111	-773	60	-653	-689	-419	-375	70	54	-563	46	101	-1,204	-1,533	-790	-540	-1,990	154
Net profit	425	512	757	562	763	872	810	584	323	406	428	725	617	653	494	518	491	716	953	887	302	803	757	964	622	586	558	806	786	173	-56	130	-1,126	-1,506	-3,587	-741	127	102	-1,046	88	179	-2,341	-3,969	95	-1,156	-4,738	252
EPS ₹	8.73	10.50	14.95	10.70	14.53	16.61	15.43	11.13	6.16	7.72	8.15	13.81	11.74	12.44	9.37	9.47	8.99	13.10	17.41	15.47	5.26	14.00	13.04	16.18	10.43	9.66	8.68	12.53	12.24	2.70	-0.87	1.95	-16.90	-19.01	-44.22	-8.32	1.32	0.96	-9.91	0.83	1.57	-19.76	-32.65	0.55	-6.63	-27.18	1.13
Revenue YoY	—	—	—	—	31.6%	45.6%	27.0%	22.1%	12.0%	-6.2%	-0.6%	7.6%	11.1%	20.9%	35.9%	34.9%	34.6%	30.8%	23.1%	17.2%	15.2%	12.0%	5.6%	13.7%	16.2%	21.3%	21.7%	16.5%	17.0%	9.9%	9.0%	2.9%	-6.5%	-7.2%	-7.3%	-8.5%	1.3%	4.6%	8.4%	4.1%	1.1%	-10.5%	-13.1%	-2.4%	-6.9%	14.1%	15.8%
Profit YoY	—	—	—	—	79.4%	70.4%	7.0%	4.0%	-57.6%	-53.5%	-47.2%	24.1%	90.8%	61.1%	15.4%	-28.6%	-20.4%	9.6%	93.0%	71.5%	-38.5%	12.2%	-20.6%	8.6%	106.0%	-27.1%	-26.3%	-16.4%	26.4%	-70.4%	-110.1%	-83.9%	-243.3%	-968.4%	—	-671.5%	—	—	—	—	41.2%	-2401.8%	—	8.4%	-745.7%	—	—

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 19 periods

	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '26	JUN '26	SEP '26
ROE	-6.8%	-5.2%	-4.6%	-3.6%	4.4%	4.2%	5.3%	6.1%	6.2%	8.2%	8.6%	10.2%	9.3%	9.7%	10.6%	11.5%	11.5%	13.1%	13.3%
Net margin	-6.2%	-4.7%	-4.1%	-3.3%	4.3%	4.1%	5.3%	6.2%	7.5%	7.9%	8.5%	9.7%	9.8%	9.9%	10.7%	11.1%	12.0%	13.4%	13.7%
EBITDA margin	23.5%	24.4%	25.5%	23.3%	22.6%	22.6%	22.1%	21.0%	21.8%	24.8%	24.3%	22.5%	21.2%	20.4%	20.0%	20.0%	20.2%	20.9%	21.5%
Asset turnover	0.07	0.08	0.08	0.07	0.07	0.07	0.06	0.06	0.06	0.08	0.07	0.08	0.07	0.08	0.07	0.08	0.07	0.07	0.07

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 16 periods

	MAR '14‡	MAR '15‡	MAR '16‡	MAR '17‡	MAR '18‡	MAR '19‡	MAR '20‡	MAR '21‡	MAR '22‡	SEP '22	SEP '23	MAR '24	SEP '24	SEP '25	MAR '26	SEP '26
Share capital	643	666	817	1,055	1,744	2,760	3,278	3,278	4,104	4,104	4,104	4,553	4,553	4,553	4,553	4,553
Reserves	30,131	31,857	31,225	30,852	35,013	40,254	41,795	43,703	52,418	53,735	58,505	66,189	69,451	79,149	85,405	89,489
Total equity	30,774	32,523	32,042	31,907	36,756	43,014	45,073	46,980	56,522	57,840	62,609	70,742	74,005	83,702	89,959	94,042
Deposits	4,78,695	5,34,482	5,15,722	5,42,352	5,22,997	5,22,555	5,57,386	6,29,098	6,29,981	6,49,960	7,06,438	7,40,611	7,78,245	8,56,863	9,30,973	10,40,729
Borrowings	48,428	40,099	51,103	39,491	43,598	44,265	39,752	32,464	26,821	45,944	65,396	80,960	1,18,852	1,17,966	1,18,626	1,21,966
Total assets	5,78,155	6,25,285	6,16,629	6,32,026	6,15,184	6,30,884	6,63,019	7,32,790	7,43,131	7,78,488	8,63,669	9,24,280	10,00,126	10,92,115	11,79,552	12,91,608
Advances	3,72,671	4,04,389	3,61,302	3,68,329	3,43,289	3,42,966	3,70,644	3,67,667	4,23,001	4,62,591	5,22,484	5,66,644	6,03,663	6,99,643	7,64,651	8,49,703
Investments	1,16,490	1,23,196	1,22,621	1,30,751	1,40,321	1,50,905	1,62,323	1,91,693	1,80,274	1,90,097	2,18,327	2,34,592	2,78,437	2,70,445	2,79,084	2,99,478
Fixed assets	5,820	5,914	8,573	8,546	8,350	8,999	9,058	9,001	9,856	9,952	10,221	10,328	10,405	11,830	11,877	11,865
Cash & bank balances	61,760	73,215	99,505	96,465	96,024	94,860	86,609	1,26,694	91,709	84,856	82,944	83,123	81,790	87,600	99,589	1,11,982

Cash flow

annual · ₹ crore · line = free cash flow

showing latest 5 of 12 periods

	FY14‡	FY15‡	FY16‡	FY17‡	FY18‡	FY19‡	FY20‡	FY21‡	FY22	FY23	FY24	FY26
Cash from operations	6,452	14,638	18,311	-6,624	-7,366	-9,218	-4,827	37,868	-35,487	-7,045	-4,437	4,753
Cash from investing	-814	-755	-609	-371	-260	71	-232	-182	-644	-521	-991	-329
Cash from financing	745	1,295	4,864	3,955	7,185	7,983	-3,192	2,398	1,146	541	3,868	-5,672
Capex	635	—	539	515	344	298	962	349	572	623	851	890
Free cash flow	5,817	—	17,772	-7,139	-7,710	-9,516	-5,789	37,519	-36,059	-7,668	-5,287	3,863
Dividends paid	1,073	0	400	0	0	0	0	—	0	821	821	1,844

Where the assets sit

Sep '26 · ₹ crore

Advances

₹8,49,703 cr66%

Investments

₹2,99,478 cr23%

Fixed assets

₹11,865 cr1%

Cash & bank

₹1,11,982 cr9%

Other assets

₹18,580 cr1%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
Bank of India	63,097	138.57	5.0	0.67	13.3%

StoxGud checklist: Neutral setup · 5/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month+3.8%

6 months-1.3%

1 year-1.6%

3Y CAGR+11.2%

5Y CAGR+17.0%

10Y CAGR+2.5%

50-day avg₹136.66

200-day avg₹145.79

RSI (14)58

Long-term financials (FY11–FY14)

from published annual reports

Year	Revenue	Profit before tax	Net profit
FY14	₹38,125 Cr	—	₹2,987 Cr
FY13	₹32,096 Cr	—	₹2,820 Cr
FY12	₹28,611 Cr	—	₹2,725 Cr
FY11	₹21,858 Cr	—	₹2,542 Cr

Years before FY17 follow the older Indian GAAP standard, so they are not exactly comparable with recent years.

Compare Bank of India with

Bank of Maharashtra vs Bank of India IDFC First Bank vs Bank of India Bajaj Housing Finance vs Bank of India Motilal Oswal Financial Services vs Bank of India Bank of India vs Indian Overseas Bank Bank of India vs RBL Bank

FAQs

What is the share price of Bank of India?

Bank of India (BANKINDIA) closed at ₹138.57 on NSE on 06 Nov 2026.

What is the market cap of Bank of India?

₹63,097 crore at the latest close.

What is the P/E ratio of Bank of India?

5.0, on trailing-twelve-month earnings from its filings.

How fast is Bank of India growing?

Bank of India: revenue has compounded at 22.8% a year over three years; net profit at 43.4% a year. Latest-quarter revenue is up 16.4% year on year, profit up 28.4%.

How profitable is Bank of India?

On a trailing-twelve-month basis return on equity is 13.3%, operating margin 21.5%, net margin 13.7%.

How much debt does Bank of India have?

Debt to equity isn't meaningful for Bank of India (banks borrow as part of their business) or isn't filed yet.

Financials parsed from Bank of India's own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from JUN '19, annual from FY20, balance sheet from Mar '14. * = derived (full year or half year minus earlier quarters). ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.