Bank Of India
BANKINDIA
Banks
₹ 117.34
Price
₹ 53,398
Market Cap
Large Cap
5.41
P/E Ratio
📊 Score Snapshot
3.17 / 25
Performance
25 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
35.17 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 22.10 | -32.99 | -39.72 | -104.81 | 82.99 | -60.83 | -74.38 | -120.23 |
| Adj Cash PAT | 10,067 | -15,015 | -16,304 | -43,028 | 27,181 | -19,933 | -20,519 | -20,977 |
| Adj Cash PAT To PAT | 1.04 | -2.28 | -4.16 | -11.76 | 12.82 | 6.60 | 3.98 | 3.53 |
| Adj Cash PE | 5.09 | - | - | - | 0.84 | - | - | - |
| Adj EPS | 21.30 | 14.46 | 9.56 | 8.93 | 6.48 | -9.22 | -18.69 | -33.99 |
| Adj Number Of Shares | 455.32 | 455.20 | 410.48 | 410.46 | 327.52 | 327.71 | 275.90 | 174.30 |
| Adj PE | 5.29 | 10.31 | 8.09 | 5.86 | 11.12 | - | - | - |
| Adj Peg | 0.11 | 0.20 | 1.15 | 0.15 | - | - | - | - |
| Bvps | 177.65 | 155.41 | 147.61 | 138.02 | 153.09 | 138.00 | 173.30 | 211.80 |
| Cash Revenue | 71,308 | 122,146 | 95,864 | 76,562 | 81,708 | 85,182 | 82,010 | 76,626 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 3.61 | 1.84 | 2.63 | 4.23 | - | - | - | - |
| Fcfe | 12,498 | -14,833 | -15,763 | -44,209 | 27,236 | -22,245 | -26,489 | -21,060 |
| Fcfe Margin | 17.53 | -12.14 | -16.44 | -57.74 | 33.33 | -26.12 | -32.30 | -27.48 |
| Fcfe To Adj PAT | 1.29 | -2.25 | -4.02 | -12.09 | 12.84 | 7.36 | 5.14 | 3.54 |
| Market Cap | 50,217 | 67,597 | 30,642 | 19,825 | 22,894 | 10,667 | 27,811 | 19,713 |
| PB | 0.62 | 0.96 | 0.51 | 0.35 | 0.46 | 0.24 | 0.58 | 0.53 |
| PE | 5.26 | 10.30 | 7.98 | 5.68 | 10.99 | - | - | - |
| Peg | 0.12 | 0.19 | 0.81 | 0.17 | - | - | - | - |
| PS | 0.70 | 0.55 | 0.32 | 0.26 | 0.28 | 0.13 | 0.34 | 0.26 |
| ROE | 12.80 | 10.03 | 6.69 | 6.85 | 4.45 | -6.49 | -12.17 | -16.84 |
| Share Price | 110.29 | 148.50 | 74.65 | 48.30 | 69.90 | 32.55 | 100.80 | 113.10 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 18,521 | 18,467 | 18,479 | 36,634 | 34,932 | 34,092 | 32,500 | 30,638 | 30,124 | 28,884 | 27,096 | 25,592 | 23,090 | 20,086 |
| Interest | 12,530 | 12,321 | 12,333 | 12,166 | 11,403 | 10,693 | 10,242 | 9,792 | 9,256 | 8,467 | 7,948 | 7,144 | 6,433 | 5,915 |
| Expenses - | 4,849 | 5,399 | 6,050 | 4,485 | 5,456 | 5,269 | 6,041 | 4,190 | 4,546 | 4,579 | 6,590 | 5,291 | 5,313 | 4,409 |
| Financing Profit | 1,142 | 747.00 | 97.00 | 1,666 | 607.00 | 1,084 | -33.00 | 1,337 | 1,260 | 1,396 | -990.00 | 360.00 | -201.00 | -281.00 |
| Financing Margin % | 6.17 | 4.05 | 0.52 | 4.55 | 1.74 | 3.18 | -0.10 | 4.36 | 4.18 | 4.83 | -3.65 | 1.41 | -0.87 | -1.40 |
| Other Income - | 2,218 | 2,211 | 3,455 | 1,780 | 2,532 | 1,338 | 1,830 | 1,202 | 1,717 | 1,484 | 3,168 | 1,422 | 1,456 | 1,165 |
| Exceptional Items | - | -519.00 | - | - | - | - | - | - | - | - | - | - | - | - |
| Profit Before Tax | 3,361 | 2,439 | 3,551 | 3,447 | 3,138 | 2,422 | 1,797 | 2,539 | 2,977 | 2,880 | 2,178 | 1,782 | 1,255 | 884.00 |
| Tax % | 23.36 | 24.93 | 26.72 | 23.47 | 22.82 | 21.97 | 12.41 | 23.95 | 49.65 | 45.76 | 35.12 | 48.65 | 32.03 | 25.45 |
| Net Profit - | 2,576 | 1,831 | 2,602 | 2,638 | 2,422 | 1,890 | 1,574 | 1,931 | 1,499 | 1,562 | 1,413 | 915.00 | 853.00 | 659.00 |
| Profit From Associates | 50.00 | 67.00 | -45.00 | 79.00 | 23.00 | 156.00 | 75.00 | 36.00 | 10.00 | 61.00 | 24.00 | -244.00 | 101.00 | 76.00 |
| Minority Share | 1.00 | -1.00 | - | -1.00 | - | -2.00 | - | -1.00 | -1.00 | -1.00 | -1.00 | - | 1.00 | -1.00 |
| Exceptional Items At | - | -375.00 | - | - | - | - | - | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 2,576 | 2,206 | 2,602 | 2,638 | 2,422 | 1,890 | 1,574 | 1,931 | 1,499 | 1,562 | 1,413 | 915.00 | 853.00 | 659.00 |
| Profit For PE | 2,577 | 2,205 | 2,602 | 2,637 | 2,421 | 1,888 | 1,574 | 1,930 | 1,499 | 1,562 | 1,412 | 915.00 | 853.00 | 658.00 |
| Profit For EPS | 2,577 | 1,830 | 2,602 | 2,637 | 2,421 | 1,888 | 1,574 | 1,930 | 1,499 | 1,562 | 1,412 | 915.00 | 854.00 | 658.00 |
| EPS In Rs | 5.66 | 4.02 | 5.72 | 5.79 | 5.32 | 4.15 | 3.46 | 4.24 | 3.65 | 3.81 | 3.44 | 2.23 | 2.08 | 1.60 |
| PAT Margin % | 13.91 | 9.91 | 14.08 | 7.20 | 6.93 | 5.54 | 4.84 | 6.30 | 4.98 | 5.41 | 5.21 | 3.58 | 3.69 | 3.28 |
| PBT Margin | 18.15 | 13.21 | 19.22 | 9.41 | 8.98 | 7.10 | 5.53 | 8.29 | 9.88 | 9.97 | 8.04 | 6.96 | 5.44 | 4.40 |
| Tax | 785.00 | 608.00 | 949.00 | 809.00 | 716.00 | 532.00 | 223.00 | 608.00 | 1,478 | 1,318 | 765.00 | 867.00 | 402.00 | 225.00 |
| Yoy Profit Growth % | 6.00 | 17.00 | 65.00 | 37.00 | 62.00 | 21.00 | 12.00 | 111.00 | 76.00 | 137.00 | 106.00 | -8.00 | -20.00 | -11.00 |
| Adj PAT | 2,576 | 1,441 | 2,602 | 2,638 | 2,422 | 1,890 | 1,574 | 1,931 | 1,499 | 1,562 | 1,413 | 915.00 | 853.00 | 659.00 |
| Adj PAT Margin | 13.91 | 7.81 | 14.08 | 7.20 | 6.93 | 5.54 | 4.84 | 6.30 | 4.98 | 5.41 | 5.21 | 3.58 | 3.69 | 3.28 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 71,308 | 122,146 | 95,864 | 76,562 | 81,708 | 85,182 | 82,010 | 76,626 | 79,170 | 84,186 | 87,370 | 76,250 |
| Interest | 46,594 | 37,757 | 27,441 | 24,083 | 26,421 | 27,191 | 27,207 | 27,679 | 27,606 | 30,245 | 32,220 | 27,170 |
| Expenses - | 20,656 | 18,848 | 21,177 | 16,263 | 17,672 | 26,386 | 26,874 | 24,618 | 21,218 | 19,842 | 13,600 | 11,473 |
| Financing Profit | 4,057 | 4,469 | -686.00 | -2,065 | -3,239 | -10,987 | -13,076 | -13,984 | -9,239 | -7,994 | -2,135 | -518.00 |
| Financing Margin % | 5.69 | 3.66 | -0.72 | -2.70 | -3.96 | -12.90 | -15.94 | -18.25 | -11.67 | -9.50 | -2.44 | -0.68 |
| Other Income - | 9,114 | 6,387 | 7,034 | 7,814 | 6,718 | 6,640 | 4,432 | 5,793 | 6,819 | 3,671 | 4,278 | 4,319 |
| Exceptional Items | 203.00 | 28.00 | 134.00 | 277.00 | 60.00 | 47.00 | 430.00 | 53.00 | - | - | - | - |
| Depreciation | 604.00 | 509.00 | 427.00 | 372.00 | 380.00 | 392.00 | 373.00 | 522.00 | -7.00 | 290.00 | 291.00 | 234.00 |
| Profit Before Tax | 12,771 | 10,375 | 6,056 | 5,655 | 3,160 | -4,692 | -8,587 | -8,660 | -2,412 | -4,612 | 1,852 | 3,567 |
| Tax % | 25.21 | 36.70 | 36.61 | 38.34 | 34.15 | 34.97 | 36.81 | 30.92 | 38.14 | -36.08 | -8.80 | 16.23 |
| Net Profit - | 9,552 | 6,567 | 3,839 | 3,487 | 2,081 | -3,051 | -5,426 | -5,982 | -1,492 | -6,276 | 2,015 | 2,988 |
| Profit From Associates | - | - | - | - | - | - | - | 91.00 | 102.00 | 59.00 | 266.00 | 255.00 |
| Minority Share | -4.00 | -2.00 | -1.00 | 5.00 | 2.00 | - | - | 20.00 | 21.00 | 72.00 | -2.00 | -1.00 |
| Exceptional Items At | 203.00 | 28.00 | 134.00 | 277.00 | 60.00 | 47.00 | 430.00 | 53.00 | - | - | - | - |
| Profit Excl Exceptional | 9,349 | 6,538 | 3,705 | 3,210 | 2,020 | -3,098 | -5,856 | -6,035 | -1,492 | -6,276 | 2,015 | 2,988 |
| Profit For PE | 9,345 | 6,536 | 3,704 | 3,210 | 2,020 | -3,098 | -5,856 | -6,014 | -1,470 | -6,205 | 2,013 | 2,987 |
| Profit For EPS | 9,548 | 6,564 | 3,838 | 3,493 | 2,083 | -3,051 | -5,427 | -5,961 | -1,470 | -6,204 | 2,013 | 2,987 |
| EPS In Rs | 20.97 | 14.42 | 9.35 | 8.51 | 6.36 | -9.31 | -19.67 | -34.20 | -13.94 | -75.98 | 30.27 | 46.50 |
| Dividend Payout % | 19.00 | 19.00 | 21.00 | 24.00 | - | - | - | - | - | - | 17.00 | 11.00 |
| PAT Margin % | 13.40 | 5.38 | 4.00 | 4.55 | 2.55 | -3.58 | -6.62 | -7.81 | -1.88 | -7.45 | 2.31 | 3.92 |
| PBT Margin | 17.91 | 8.49 | 6.32 | 7.39 | 3.87 | -5.51 | -10.47 | -11.30 | -3.05 | -5.48 | 2.12 | 4.68 |
| Tax | 3,219 | 3,808 | 2,217 | 2,168 | 1,079 | -1,641 | -3,161 | -2,678 | -920.00 | 1,664 | -163.00 | 579.00 |
| Adj PAT | 9,704 | 6,585 | 3,924 | 3,658 | 2,121 | -3,020 | -5,154 | -5,945 | -1,492 | -6,276 | 2,015 | 2,988 |
| Adj PAT Margin | 13.61 | 5.39 | 4.09 | 4.78 | 2.60 | -3.55 | -6.28 | -7.76 | -1.88 | -7.45 | 2.31 | 3.92 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 4,963 | 4,629 | - | 4,136 | 3,733 | 3,577 | 3,202 | 2,886 | 2,838 |
| Average Total Assets | - | 990,352 | 875,158 | - | 784,584 | 737,958 | 697,902 | 646,949 | 623,032 | 623,605 |
| Average Total Equity | - | 75,814 | 65,666 | - | 58,621 | 53,396 | 47,682 | 46,519 | 42,365 | 35,313 |
| Borrowing | 117,966 | 123,869 | 80,960 | - | 65,015 | 26,821 | 32,464 | 39,752 | 44,265 | 43,598 |
| Cwip | - | 182.00 | 150.00 | - | 110.00 | 286.00 | 364.00 | 293.00 | 200.00 | 158.00 |
| Cash Equivalents | 37,224 | 50,344 | 36,741 | - | 42,214 | 38,083 | 57,610 | 26,203 | 26,845 | 28,981 |
| Deposits | 856,863 | 819,806 | 740,611 | - | 672,194 | 629,981 | 629,098 | 557,386 | 522,555 | 522,997 |
| Fixed Assets | 11,830 | 11,865 | 10,178 | - | 9,950 | 9,570 | 8,637 | 8,765 | 8,799 | 8,192 |
| Gross Block | - | 16,828 | 14,806 | - | 14,087 | 13,303 | 12,214 | 11,967 | 11,685 | 11,030 |
| Investments | 270,445 | 268,002 | 234,592 | - | 211,324 | 180,274 | 191,693 | 162,323 | 150,905 | 140,321 |
| Loans N Advances | 699,643 | 4,016 | 5,535 | - | 6,862 | 7,372 | 4,883 | 5,782 | 5,056 | 1,280 |
| Long Term Borrowings | - | - | - | - | - | - | - | 39,752 | 44,265 | 43,598 |
| Net Debt | -307,669 | -318,346 | 550,239 | - | 483,671 | 438,445 | 412,259 | 408,613 | 389,070 | 397,293 |
| Non Controlling Interest | 167.00 | 162.00 | 161.00 | - | 157.00 | 130.00 | 159.00 | 151.00 | 162.00 | 159.00 |
| Other Asset Items | 72,972 | 722,016 | 637,085 | - | 555,575 | 507,545 | 469,599 | 459,652 | 439,076 | 436,252 |
| Other Borrowings | - | - | 821,572 | - | 737,209 | 656,802 | 661,562 | 557,386 | 522,555 | 522,997 |
| Other Liability Items | 33,583 | 30,254 | 30,309 | - | 26,614 | 27,963 | 19,666 | 19,527 | 14,964 | 10,294 |
| Reserves | 78,982 | 76,172 | 66,028 | - | 56,329 | 52,418 | 46,703 | 41,795 | 44,892 | 35,013 |
| Share Capital | 4,553 | 4,553 | 4,553 | 4,104 | 4,104 | 4,104 | 3,278 | 3,278 | 2,760 | 1,744 |
| Total Assets | 1,092,115 | 1,056,425 | 924,280 | - | 826,036 | 743,131 | 732,786 | 663,017 | 630,881 | 615,184 |
| Total Borrowings | - | - | 821,572 | - | 737,209 | 656,802 | 661,562 | 597,139 | 566,820 | 566,595 |
| Total Equity | 83,702 | 80,887 | 70,742 | 4,104 | 60,590 | 56,652 | 50,140 | 45,224 | 47,814 | 36,916 |
| Total Equity And Liabilities | 1,092,115 | 1,056,425 | 924,280 | - | 826,036 | 743,131 | 732,786 | 663,017 | 630,881 | 615,184 |
| Total Liabilities | 1,008,413 | 975,538 | 853,538 | -4,104 | 765,446 | 686,479 | 682,646 | 617,793 | 583,067 | 578,268 |
| Trade Payables | - | 1,608 | 1,658 | - | 1,623 | 1,714 | 1,418 | 1,127 | 1,282 | 1,380 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 34.00 | 3,868 | 541.00 | 1,146 | 2,398 | -3,192 | 7,983 | 7,185 |
| Cash From Investing Activity | -854.00 | -991.00 | -521.00 | -644.00 | -182.00 | -232.00 | 71.00 | -260.00 |
| Cash From Operating Activity | 18,534 | -4,437 | -7,045 | -35,487 | 37,868 | -4,827 | -9,218 | -7,366 |
| Cash Paid For Acquisition Of Companies | - | - | - | - | - | - | -71.00 | - |
| Cash Paid For Investment In Subsidaries And Associates | - | - | -863.00 | -304.00 | -47.00 | -22.00 | - | -350.00 |
| Cash Paid For Loan Advances | -91,535 | -82,126 | -69,354 | -58,326 | -3,671 | -42,124 | -15,493 | 9,843 |
| Cash Paid For Purchase Of Fixed Assets | -723.00 | -851.00 | -623.00 | -572.00 | -349.00 | -962.00 | -298.00 | -344.00 |
| Cash Paid For Redemption And Cancellation Of Shares | - | - | - | - | - | 122.00 | - | - |
| Cash Paid For Redemption Of Debentures | - | - | - | -700.00 | - | - | - | - |
| Cash Paid For Repayment Of Borrowings | - | - | - | - | - | -2,325 | -6,400 | - |
| Cash Receipts From Deposits | 819,806 | 740,611 | 672,194 | 629,981 | 629,098 | 557,386 | 522,555 | 522,997 |
| Cash Received From Issue Of Debentures | 2,500 | 500.00 | 1,500 | - | 52.00 | - | - | - |
| Cash Received From Issue Of Shares | 111.00 | 4,982 | 559.00 | 2,550 | - | 4,617 | 10,760 | 11,223 |
| Cash Received From Sale Of Fixed Assets | 50.00 | 24.00 | 100.00 | 23.00 | 19.00 | 605.00 | 426.00 | 89.00 |
| Change In Other Working Capital Items | 12,703 | -7,891 | 6,911 | 10,758 | -42,981 | -9,621 | 570.00 | -5,519 |
| Change In Working Capital | 363.00 | -21,600 | -20,228 | -46,686 | 25,060 | -16,913 | -15,365 | -15,032 |
| Direct Taxes Paid | -145.00 | 1,240 | 356.00 | -556.00 | 756.00 | -863.00 | -3,391 | -1,539 |
| Dividends Paid | -1,275 | -821.00 | -821.00 | - | - | - | - | - |
| Dividends Received | 31.00 | 14.00 | 21.00 | 16.00 | 22.00 | 14.00 | 11.00 | 7.00 |
| Interest Paid | -1,302 | -794.00 | -697.00 | -704.00 | -654.00 | -846.00 | -1,015 | -1,608 |
| Net Cash Flow | 17,714 | -1,560 | -7,026 | -34,985 | 40,085 | -8,251 | -1,164 | -440.00 |
| Operating Deposits | 79,195 | 68,417 | 42,213 | 882.00 | 71,712 | 34,831 | -442.00 | -19,355 |
| Other Cash Financing Items Paid | - | - | - | - | 3,000 | -4,638 | 4,638 | -2,429 |
| Other Cash Investing Items Paid | -212.00 | -178.00 | -19.00 | -111.00 | 126.00 | -11.00 | 3.00 | 78.00 |
| Profit From Operations | 18,316 | 15,923 | 12,827 | 11,755 | 12,052 | 12,949 | 9,538 | 9,205 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Bankindia | 2025-09-30 | - | 4.24 | 15.63 | 6.76 | 0.00 |
| Bankindia | 2025-06-30 | - | 3.53 | 15.97 | 7.13 | 0.00 |
| Bankindia | 2025-03-31 | - | 3.88 | 15.90 | 6.83 | 0.00 |
| Bankindia | 2024-12-31 | - | 2.92 | 16.40 | 7.30 | 0.00 |
💬
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