Central Bank of India

NSE: CENTRALBK · Financial Services

₹30.63+0.10%06 Nov 2026

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

Market cap₹27,724 cr

Current price₹30.63

High / Low₹40 / ₹29

P/E5.8

P/B0.67

Book value₹46.0

ROE11.6%

ROCE—

Debt / equity—

Dividend yield2.57%

EPS (TTM)₹5.32

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	27,298	25,992	25,871	29,742	35,562	42,498
Pre-provision op. profit	4,354	4,650	5,777	6,926	7,405	8,522
Operating margin	16.0%	17.9%	22.3%	23.3%	20.8%	20.1%
Interest	16,005	14,543	13,361	13,905	17,882	21,926
Profit before tax	-910	-1,309	1,745	2,682	4,090	6,559
Tax	218	-431	680	1,073	1,514	2,075
Net profit	-1,256	-1,000	1,076	1,679	2,668	4,524
EPS ₹	-2.02	-1.73	1.31	0.00	3.07	5.00
Operating cash flow	—	—	14,277	-8,786	-5,910	2,804
Capex	—	—	158	212	587	-4
Dividend paid	—	—	0	0	0	713
Total assets	—	—	—	—	4,47,772	5,51,079
Equity	—	—	—	—	32,374	39,001

Quarterly performance

last 26 quarters · ₹ crore

showing latest 8 of 26 periods

	JUN '19	MAR '20	JUN '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	JUN '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	6,494	6,743	6,752	6,584	5,795	6,269	6,528	6,694	6,445	6,387	7,093	7,666	8,596	8,218	8,439	9,171	9,734	9,533	9,884	9,774	10,410	10,284	11,007	10,859	10,714	11,774
Pre-provision op. profit	1,105	518	1,297	1,199	687	1,186	1,410	1,233	1,822	1,233	1,757	1,819	2,117	1,854	1,535	1,943	2,072	2,006	2,176	1,977	2,315	1,795	2,297	2,114	2,196	2,279
Operating margin	17.0%	7.7%	19.2%	18.2%	11.9%	18.9%	21.6%	18.4%	28.3%	19.3%	24.8%	23.7%	24.6%	22.6%	18.2%	21.2%	21.3%	21.0%	22.0%	20.2%	22.2%	17.5%	20.9%	19.5%	20.5%	19.4%
Other income	779	789	710	775	895	768	720	611	629	832	909	919	1,424	959	1,062	1,329	1,363	1,166	1,649	1,232	1,787	1,507	1,937	1,161	988	1,380
Interest	3,924	4,019	3,886	3,571	3,373	3,356	3,300	3,324	3,381	3,397	3,421	3,444	3,643	4,062	4,338	4,672	4,811	4,801	4,807	4,984	5,222	5,476	5,552	5,677	5,794	6,227
Profit before tax	70	-1,664	320	454	-2,444	624	359	353	409	319	633	820	910	1,038	567	1,122	1,363	812	1,578	1,418	1,878	1,479	1,592	1,609	1,791	1,715
Tax	-48	-131	183	282	-1,090	416	105	67	92	75	308	355	335	610	-41	395	551	-75	657	450	617	260	327	871	462	240
Net profit	118	-1,680	147	166	-1,442	250	201	282	342	273	341	473	591	495	622	734	816	942	924	963	1,282	1,232	1,264	746	1,323	1,486
EPS ₹	0.00	-2.98	0.26	0.28	-2.45	0.36	0.23	0.33	0.39	0.31	0.39	0.55	0.00	0.57	0.72	0.85	0.94	1.09	1.06	1.11	1.42	1.36	1.40	0.82	1.46	1.64
Revenue YoY	—	—	4.0%	—	-14.1%	-7.1%	—	1.7%	11.2%	1.9%	8.7%	14.5%	33.4%	28.7%	19.0%	19.6%	13.2%	16.0%	17.1%	6.6%	9.2%	4.0%	12.6%	—	2.9%	14.5%
Profit YoY	—	—	24.4%	—	—	70.0%	—	70.2%	—	9.0%	70.1%	67.6%	72.7%	81.4%	82.2%	55.1%	38.1%	90.4%	48.5%	31.2%	36.0%	33.3%	31.2%	—	3.2%	20.6%

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

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

Central 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 10 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY18†	FY19†
Total income	11,525	13,800	16,486	20,545	23,528	26,350	28,303	27,827	26,658	25,052
Pre-provision op. profit	1,437	2,059	2,591	2,815	3,173	3,238	3,559	2,643	2,733	3,126
Operating margin	12.5%	14.9%	15.7%	13.7%	13.5%	12.3%	12.6%	9.5%	10.3%	12.5%
Other income	1,070	1,735	1,265	1,395	1,667	1,923	1,894	1,939	2,622	2,413
Interest	8,227	9,519	9,895	13,981	16,123	17,933	19,162	18,822	17,518	15,866
Profit before tax	925	1,550	1,659	759	1,320	-995	890	-2,669	-7,896	-8,170
Tax	354	491	407	226	305	268	284	-1,251	-2,791	-2,529
Net profit	571	1,058	1,252	533	1,015	-1,263	606	-1,418	-5,105	-5,641

Quarters

showing latest 8 of 45 periods

	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†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†	DEC '18†	MAR '19†
Total income	2,205	2,599	2,573	2,769	3,033	3,150	3,196	3,384	3,495	3,724	3,658	3,890	4,183	4,755	4,840	5,234	5,099	5,372	5,625	5,681	5,819	6,404	6,443	6,237	6,708	6,962	6,928	7,021	7,033	7,322	7,099	7,104	6,912	6,712	6,663	6,965	6,788	6,871	6,896	6,589	6,302	5,905	6,197	6,329	6,621
Pre-provision op. profit	280	477	222	294	466	455	361	514	590	594	668	778	815	331	792	797	614	613	793	816	779	784	1,001	541	869	827	974	846	862	878	893	848	662	240	586	855	582	451	869	866	547	384	509	715	1,519
Operating margin	12.7%	18.3%	8.6%	10.6%	15.4%	14.4%	11.3%	15.2%	16.9%	16.0%	18.2%	20.0%	19.5%	7.0%	16.4%	15.2%	12.0%	11.4%	14.1%	14.4%	13.4%	12.3%	15.5%	8.7%	13.0%	11.9%	14.1%	12.1%	12.3%	12.0%	12.6%	11.9%	9.6%	3.6%	8.8%	12.3%	8.6%	6.6%	12.6%	13.1%	8.7%	6.5%	8.2%	11.3%	22.9%
Other income	183	359	161	94	311	503	394	409	364	569	247	245	250	523	282	324	357	432	322	352	357	636	598	378	355	592	431	403	509	552	414	473	491	560	494	777	724	660	730	563	670	213	512	544	1,144
Interest	1,478	1,702	1,934	2,028	2,050	2,214	2,225	2,402	2,401	2,491	2,292	2,298	2,501	2,804	3,228	3,513	3,563	3,677	3,925	3,913	4,052	4,233	4,308	4,425	4,546	4,654	4,675	4,791	4,848	4,848	4,841	4,718	4,676	4,588	4,509	4,495	4,558	4,880	4,458	4,049	4,132	4,014	4,010	3,969	3,874
Profit before tax	292	293	66	188	564	107	387	450	410	303	472	537	625	25	399	366	240	-246	440	389	151	339	17	-1,508	211	285	329	139	163	260	312	202	-837	-2,347	-958	-806	-904	-818	-1,092	-2,561	-3,424	-2,385	-1,474	-1,097	-3,215
Tax	91	166	7	91	210	45	120	136	104	131	135	158	221	-108	118	122	127	-141	104	59	-29	170	-5	1	150	122	137	36	25	86	109	89	-1	-1,449	-358	-165	-298	-242	-342	-897	-1,311	-862	-550	-378	-738
Net profit	201	127	59	96	353	63	267	314	306	171	337	379	404	133	281	244	113	-105	336	330	180	169	22	-1,509	62	162	192	103	138	174	204	113	-837	-898	-600	-642	-606	-577	-750	-1,664	-2,114	-1,522	-924	-718	-2,477
EPS ₹	4.47	2.64	0.96	1.87	8.25	1.05	6.06	7.22	7.04	3.85	7.72	8.70	9.20	2.51	3.87	3.21	0.94	-2.07	3.97	3.88	1.85	1.63	—	-14.44	0.18	1.20	1.11	0.43	0.66	1.15	1.23	0.68	-5.05	-5.42	-3.47	-3.58	-3.20	-3.03	-3.94	-8.58	-10.55	-5.81	-3.53	-2.56	-7.89
Revenue YoY	—	—	—	—	37.5%	21.2%	24.2%	22.2%	15.2%	18.2%	14.5%	14.9%	19.7%	27.7%	32.3%	34.6%	21.9%	13.0%	16.2%	8.5%	14.1%	19.2%	14.6%	9.8%	15.3%	8.7%	7.5%	12.6%	4.8%	5.2%	2.5%	1.2%	-1.7%	-8.3%	-6.1%	-2.0%	-1.8%	3.1%	-1.0%	-2.9%	—	-14.1%	-10.1%	-3.9%	5.1%
Profit YoY	—	—	—	—	75.7%	-50.9%	349.8%	226.5%	-13.3%	173.7%	26.2%	20.8%	31.7%	-22.4%	-16.6%	-35.6%	-71.9%	-179.3%	19.6%	35.1%	58.9%	—	-93.5%	-557.3%	-65.8%	-4.0%	773.7%	—	123.7%	7.3%	6.3%	9.7%	-707.8%	-615.3%	-394.6%	-668.6%	—	—	—	—	—	—	—	—	—

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 17 periods

	SEP '21	DEC '21	MAR '22	JUN '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '26	JUN '26	SEP '26
ROE	—	—	—	—	4.4%	5.1%	6.0%	6.8%	7.2%	8.1%	8.2%	9.6%	10.2%	10.9%	11.6%	11.7%	11.6%
Net margin	-3.3%	-2.8%	4.1%	4.2%	4.7%	5.2%	5.6%	6.0%	6.6%	7.1%	7.5%	8.4%	8.9%	9.4%	10.6%	10.6%	10.9%
EBITDA margin	17.8%	17.9%	21.8%	21.9%	22.7%	24.0%	23.3%	23.9%	22.3%	21.6%	20.8%	20.5%	21.4%	21.1%	20.0%	19.6%	20.0%
Asset turnover	—	—	—	—	0.07	0.07	0.08	0.08	0.08	0.08	0.08	0.08	0.09	0.09	0.08	0.08	0.07

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 7 periods

	SEP '22	SEP '23	MAR '24	SEP '24	SEP '25	MAR '26	SEP '26
Share capital	8,681	8,681	8,681	8,681	9,051	9,051	9,051
Reserves	19,479	21,653	23,693	24,818	29,484	29,950	32,587
Total equity	28,160	30,334	32,374	33,499	38,535	39,001	41,639
Deposits	3,43,585	3,71,803	3,85,541	3,92,481	4,45,053	4,68,444	5,08,863
Borrowings	7,829	17,126	20,013	13,347	12,399	31,854	38,908
Total assets	3,87,779	4,27,681	4,47,772	4,47,807	5,04,923	5,51,079	5,99,022
Advances	1,84,262	2,25,046	2,44,399	2,44,041	2,87,209	3,38,209	3,74,377
Investments	1,33,687	1,43,559	1,44,010	1,49,524	1,60,576	1,57,607	1,64,475
Fixed assets	4,870	4,756	5,336	5,237	5,037	5,126	5,163
Cash & bank balances	45,745	36,795	37,608	32,425	38,308	37,835	42,945

Cash flow

annual · ₹ crore · line = free cash flow

	FY22	FY23	FY24	FY26
Cash from operations	14,277	-8,786	-5,910	2,804
Cash from investing	-133	-209	-584	-454
Cash from financing	0	0	0	-713
Capex	158	212	587	-4
Free cash flow	14,119	-8,999	-6,497	2,808
Dividends paid	0	0	0	713

Where the assets sit

Sep '26 · ₹ crore

Advances

₹3,74,377 cr62%

Investments

₹1,64,475 cr27%

Fixed assets

₹5,163 cr1%

Cash & bank

₹42,945 cr7%

Other assets

₹12,062 cr2%

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	—	—	—
Central Bank of India	27,724	30.63	5.8	0.67	11.6%

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+0.6%

6 months-17.7%

1 year-23.8%

3Y CAGR-11.4%

5Y CAGR+6.7%

10Y CAGR-10.0%

50-day avg₹30.38

200-day avg₹33.21

RSI (14)48

Compare Central Bank of India with

PNB Housing Finance vs Central Bank of India Central Depository Services (India) vs Central Bank of India Central Bank of India vs Cholamandalam Financial Holdings Central Bank of India vs IIFL Finance Central Bank of India vs Bandhan Bank Central Bank of India vs Aditya Birla Sun Life AMC

FAQs

What is the share price of Central Bank of India?

Central Bank of India (CENTRALBK) closed at ₹30.63 on NSE on 06 Nov 2026.

What is the market cap of Central Bank of India?

₹27,724 crore at the latest close.

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

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

How fast is Central Bank of India growing?

Central Bank of India: revenue has compounded at 18.0% a year over three years; net profit at 61.4% a year. Latest-quarter revenue is up 14.5% year on year, profit up 20.6%.

How profitable is Central Bank of India?

On a trailing-twelve-month basis return on equity is 11.6%, operating margin 20.0%, net margin 10.9%.

How much debt does Central Bank of India have?

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

Financials parsed from Central Bank of India's own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from JUN '19, annual from FY20, balance sheet from Sep '22. * = derived (full year or half year minus earlier quarters). Information only, not investment advice.