Central Bank Of India
CENTRALBK
Banks
₹ 39.30
Price
₹ 35,572
Market Cap
Large Cap
7.86
P/E Ratio
📊 Score Snapshot
1.98 / 25
Performance
22.56 / 25
Valuation
1.5 / 20
Growth
7.0 / 30
Profitability
33.04 / 100
Avoid
🏢 Company Overview
⏳ Loading company overview...
🤖 CARL Insights
⏳ Loading CARL insights...
📈 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 | -8.26 | -12.67 | -16.67 | 11.32 | -13.37 | -6.91 | -58.71 | -199.36 |
| Adj Cash PAT | -7,466 | -11,004 | -14,492 | 9,827 | -7,861 | -3,938 | -23,753 | -52,195 |
| Adj Cash PAT To PAT | -1.90 | -4.13 | -8.59 | 9.03 | 7.79 | 3.09 | 4.23 | 10.16 |
| Adj Cash PE | - | - | - | 1.67 | - | - | - | - |
| Adj EPS | 4.33 | 3.06 | 1.93 | 1.25 | -1.72 | -2.24 | -13.89 | -19.65 |
| Adj Number Of Shares | 904.37 | 869.06 | 869.95 | 867.74 | 588.24 | 570.91 | 404.68 | 261.84 |
| Adj PE | 9.48 | 21.33 | 12.48 | 15.29 | - | - | - | - |
| Adj Peg | 0.23 | 0.36 | 0.23 | - | - | - | - | - |
| Bvps | 40.87 | 37.34 | 33.66 | 31.81 | 45.13 | 37.80 | 48.04 | 69.70 |
| Cash Revenue | 33,797 | 61,698 | 51,314 | 45,806 | 45,660 | 47,352 | 45,498 | 48,326 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 0.42 | - | - | - | - | - | - | - |
| Fcfe | -7,359 | -11,088 | -14,314 | 9,990 | -7,770 | -3,968 | -23,726 | -52,245 |
| Fcfe Margin | -21.77 | -17.97 | -27.89 | 21.81 | -17.02 | -8.38 | -52.15 | -108.11 |
| Fcfe To Adj PAT | -1.88 | -4.16 | -8.48 | 9.18 | 7.70 | 3.11 | 4.23 | 10.17 |
| Market Cap | 37,360 | 57,010 | 20,966 | 16,400 | 10,059 | 6,908 | 14,123 | 18,591 |
| PB | 1.01 | 1.76 | 0.72 | 0.59 | 0.38 | 0.32 | 0.73 | 1.02 |
| PE | 9.50 | 21.37 | 12.49 | 15.24 | - | - | - | - |
| Peg | 0.23 | 0.36 | 0.22 | - | - | - | - | - |
| PS | 1.11 | 0.92 | 0.41 | 0.36 | 0.22 | 0.15 | 0.31 | 0.38 |
| ROE | 11.31 | 8.64 | 5.93 | 4.02 | -4.20 | -6.22 | -29.80 | -28.16 |
| Share Price | 41.31 | 65.60 | 24.10 | 18.90 | 17.10 | 12.10 | 34.90 | 71.00 |
📊 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 | 8,777 | 8,623 | 8,653 | 17,084 | 16,470 | 16,734 | 16,742 | 15,684 | 14,754 | 14,518 | 14,342 | 13,492 | 12,368 | 11,110 |
| Interest | 5,476 | 5,222 | 5,238 | 4,984 | 4,807 | 4,801 | 4,811 | 4,672 | 4,338 | 4,062 | 3,643 | 3,444 | 3,421 | 3,397 |
| Expenses - | 3,328 | 3,395 | 4,067 | 3,373 | 3,500 | 3,920 | 3,561 | 3,377 | 3,534 | 3,118 | 4,043 | 3,401 | 3,039 | 2,671 |
| Financing Profit | -28.00 | 6.00 | -652.00 | 185.00 | -71.00 | -354.00 | -1.00 | -207.00 | -495.00 | 79.00 | -514.00 | -99.00 | -276.00 | -513.00 |
| Financing Margin % | -0.32 | 0.07 | -7.53 | 1.08 | -0.43 | -2.12 | -0.01 | -1.32 | -3.36 | 0.54 | -3.58 | -0.73 | -2.23 | -4.62 |
| Other Income - | 1,507 | 1,787 | 1,823 | 1,232 | 1,649 | 1,166 | 1,363 | 1,329 | 1,062 | 959.00 | 1,424 | 919.00 | 909.00 | 832.00 |
| Exceptional Items | - | 85.00 | - | - | - | - | - | - | - | - | - | - | - | - |
| Profit Before Tax | 1,479 | 1,878 | 1,171 | 1,418 | 1,578 | 812.00 | 1,363 | 1,122 | 567.00 | 1,038 | 910.00 | 820.00 | 633.00 | 319.00 |
| Tax % | 16.57 | 31.63 | 5.55 | 31.88 | 41.32 | -16.38 | 40.06 | 34.22 | -9.88 | 52.02 | 34.95 | 41.95 | 45.66 | 13.48 |
| Net Profit - | 1,234 | 1,284 | 1,106 | 966.00 | 926.00 | 945.00 | 817.00 | 738.00 | 623.00 | 498.00 | 592.00 | 476.00 | 344.00 | 276.00 |
| Profit From Associates | 14.00 | 24.00 | 64.00 | -2.00 | 5.00 | 58.00 | 6.00 | 10.00 | 14.00 | 70.00 | 17.00 | 10.00 | 19.00 | 32.00 |
| Minority Share | -2.00 | -2.00 | -2.00 | -3.00 | -2.00 | -2.00 | -1.00 | -3.00 | -1.00 | -3.00 | -1.00 | -3.00 | -3.00 | -3.00 |
| Exceptional Items At | - | 57.00 | - | - | - | - | - | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 1,234 | 1,227 | 1,106 | 966.00 | 926.00 | 945.00 | 817.00 | 738.00 | 623.00 | 498.00 | 592.00 | 476.00 | 344.00 | 276.00 |
| Profit For PE | 1,232 | 1,225 | 1,105 | 963.00 | 924.00 | 942.00 | 816.00 | 734.00 | 622.00 | 495.00 | 591.00 | 473.00 | 341.00 | 273.00 |
| Profit For EPS | 1,232 | 1,282 | 1,105 | 963.00 | 924.00 | 942.00 | 816.00 | 734.00 | 622.00 | 495.00 | 591.00 | 473.00 | 341.00 | 273.00 |
| EPS In Rs | 1.36 | 1.42 | 1.22 | 1.11 | 1.06 | 1.09 | 0.94 | 0.85 | 0.72 | 0.57 | 0.68 | 0.55 | 0.39 | 0.31 |
| PAT Margin % | 14.06 | 14.89 | 12.78 | 5.65 | 5.62 | 5.65 | 4.88 | 4.71 | 4.22 | 3.43 | 4.13 | 3.53 | 2.78 | 2.48 |
| PBT Margin | 16.85 | 21.78 | 13.53 | 8.30 | 9.58 | 4.85 | 8.14 | 7.15 | 3.84 | 7.15 | 6.35 | 6.08 | 5.12 | 2.87 |
| Tax | 245.00 | 594.00 | 65.00 | 452.00 | 652.00 | -133.00 | 546.00 | 384.00 | -56.00 | 540.00 | 318.00 | 344.00 | 289.00 | 43.00 |
| Yoy Profit Growth % | 33.00 | 30.00 | 35.00 | 31.00 | 49.00 | 90.00 | 38.00 | 55.00 | 82.00 | 81.00 | -4.00 | 13.00 | 59.00 | 9.00 |
| Adj PAT | 1,234 | 1,342 | 1,106 | 966.00 | 926.00 | 945.00 | 817.00 | 738.00 | 623.00 | 498.00 | 592.00 | 476.00 | 344.00 | 276.00 |
| Adj PAT Margin | 14.06 | 15.56 | 12.78 | 5.65 | 5.62 | 5.65 | 4.88 | 4.71 | 4.22 | 3.43 | 4.13 | 3.53 | 2.78 | 2.48 |
💰 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 | 33,797 | 61,698 | 51,314 | 45,806 | 45,660 | 47,352 | 45,498 | 48,326 | 49,550 | 51,976 | 52,952 | 48,956 |
| Interest | 19,830 | 17,882 | 13,905 | 13,361 | 14,543 | 16,005 | 15,935 | 17,603 | 18,166 | 18,889 | 19,200 | 17,963 |
| Expenses - | 14,314 | 13,099 | 12,778 | 10,477 | 12,419 | 12,135 | 14,580 | 14,015 | 12,744 | 11,529 | 8,620 | 9,489 |
| Financing Profit | -346.00 | -133.00 | -1,026 | -934.00 | -4,133 | -4,464 | -7,766 | -7,455 | -6,136 | -4,430 | -1,344 | -2,974 |
| Financing Margin % | -1.02 | -0.22 | -2.00 | -2.04 | -9.05 | -9.43 | -17.07 | -15.43 | -12.38 | -8.52 | -2.54 | -6.07 |
| Other Income - | 6,020 | 4,828 | 4,165 | 2,977 | 3,015 | 3,645 | 2,421 | 2,625 | 2,872 | 1,944 | 1,901 | 1,933 |
| Exceptional Items | -24.00 | -15.00 | -1.00 | 9.00 | -21.00 | -22.00 | -4.00 | -4.00 | -2.00 | 74.00 | -1.00 | -1.00 |
| Depreciation | 558.00 | 500.00 | 386.00 | 297.00 | 293.00 | 285.00 | 278.00 | 260.00 | 258.00 | 240.00 | 230.00 | 209.00 |
| Profit Before Tax | 5,092 | 4,181 | 2,752 | 1,755 | -1,431 | -1,127 | -5,628 | -5,096 | -3,523 | -2,651 | 327.00 | -1,252 |
| Tax % | 22.56 | 35.97 | 38.66 | 38.29 | 30.47 | -11.09 | 0.30 | -0.75 | 30.26 | 47.49 | -104.89 | 3.43 |
| Net Profit - | 3,943 | 2,677 | 1,688 | 1,083 | -995.00 | -1,252 | -5,611 | -5,134 | -2,457 | -1,392 | 670.00 | -1,209 |
| Profit From Associates | - | - | - | - | - | -125.00 | 17.00 | -38.00 | -15.00 | 15.00 | 52.00 | 42.00 |
| Minority Share | -9.00 | -9.00 | -10.00 | -7.00 | -5.00 | -4.00 | -6.00 | -6.00 | -3.00 | -5.00 | -4.00 | -4.00 |
| Exceptional Items At | -24.00 | -15.00 | -1.00 | 9.00 | -21.00 | -22.00 | -4.00 | -4.00 | -2.00 | 74.00 | -1.00 | -1.00 |
| Profit Excl Exceptional | 3,968 | 2,691 | 1,690 | 1,074 | -974.00 | -1,230 | -5,607 | -5,129 | -2,455 | -1,466 | 671.00 | -1,208 |
| Profit For PE | 3,959 | 2,682 | 1,680 | 1,067 | -979.00 | -1,233 | -5,612 | -5,135 | -2,458 | -1,471 | 667.00 | -1,212 |
| Profit For EPS | 3,934 | 2,668 | 1,679 | 1,076 | -1,000 | -1,256 | -5,617 | -5,140 | -2,459 | -1,396 | 666.00 | -1,213 |
| EPS In Rs | 4.35 | 3.07 | 1.93 | 1.24 | -1.70 | -2.20 | -13.88 | -19.63 | -12.93 | -8.26 | 4.02 | -8.99 |
| Dividend Payout % | 4.00 | - | - | - | - | - | - | - | - | - | 12.00 | - |
| PAT Margin % | 11.67 | 4.34 | 3.29 | 2.36 | -2.18 | -2.64 | -12.33 | -10.62 | -4.96 | -2.68 | 1.27 | -2.47 |
| PBT Margin | 15.07 | 6.78 | 5.36 | 3.83 | -3.13 | -2.38 | -12.37 | -10.55 | -7.11 | -5.10 | 0.62 | -2.56 |
| Tax | 1,149 | 1,504 | 1,064 | 672.00 | -436.00 | 125.00 | -17.00 | 38.00 | -1,066 | -1,259 | -343.00 | -43.00 |
| Adj PAT | 3,924 | 2,667 | 1,687 | 1,089 | -1,010 | -1,276 | -5,615 | -5,138 | -2,458 | -1,353 | 667.95 | -1,210 |
| Adj PAT Margin | 11.61 | 4.32 | 3.29 | 2.38 | -2.21 | -2.70 | -12.34 | -10.63 | -4.96 | -2.60 | 1.26 | -2.47 |
🏦 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 | - | 3,482 | 4,370 | - | 4,082 | 3,584 | 3,311 | 3,106 | 2,836 | 2,598 |
| Average Total Assets | - | 464,114 | 427,426 | - | 397,186 | 378,633 | 363,562 | 344,518 | 329,617 | 331,022 |
| Average Total Equity | - | 34,708 | 30,867 | - | 28,446 | 27,078 | 24,065 | 20,510 | 18,844 | 18,248 |
| Borrowing | 12,399 | 21,820 | 20,013 | - | 8,334 | 7,663 | 5,760 | 6,076 | 5,640 | 6,026 |
| Cash Equivalents | 21,700 | 21,511 | 21,529 | - | 25,933 | 36,578 | 30,713 | 28,392 | 19,442 | 34,494 |
| Deposits | 445,053 | 413,271 | 385,541 | - | 359,775 | 343,165 | 330,328 | 314,201 | 300,311 | 295,354 |
| Fixed Assets | 5,037 | 5,214 | 5,345 | - | 4,786 | 4,964 | 5,142 | 4,346 | 4,320 | 4,353 |
| Gross Block | - | 8,696 | 9,715 | - | 8,868 | 8,548 | 8,453 | 7,452 | 7,156 | 6,951 |
| Investments | 160,576 | 141,652 | 144,010 | - | 136,569 | 140,775 | 148,518 | 142,526 | 125,453 | 102,769 |
| Loans N Advances | 287,209 | 3,700 | 4,516 | - | 4,266 | 3,964 | 4,238 | 5,374 | 5,167 | 5,350 |
| Long Term Borrowings | - | - | - | - | - | - | - | 6,076 | 5,640 | 6,026 |
| Net Debt | -182,276 | -163,163 | 240,015 | - | 205,607 | 173,475 | 156,857 | 149,359 | 161,056 | 164,117 |
| Non Controlling Interest | 90.00 | 85.00 | 76.00 | - | 67.00 | 58.00 | 51.00 | 45.00 | 43.00 | 40.00 |
| Other Asset Items | 30,401 | 308,379 | 272,372 | - | 235,525 | 201,012 | 181,364 | 176,513 | 177,503 | 180,382 |
| Other Borrowings | - | - | 405,554 | - | 368,109 | 350,828 | 336,088 | 314,201 | 300,311 | 295,354 |
| Other Liability Items | 8,847 | 7,451 | 8,776 | - | 8,737 | 7,742 | 6,555 | 14,671 | 5,849 | 7,027 |
| Reserves | 29,484 | 27,830 | 23,693 | - | 20,536 | 18,868 | 20,621 | 15,827 | 15,349 | 15,592 |
| Share Capital | 9,051 | 9,051 | 8,681 | 8,681 | 8,681 | 8,681 | 5,876 | 5,710 | 4,047 | 2,618 |
| Total Assets | 504,923 | 480,457 | 447,772 | - | 407,080 | 387,292 | 369,974 | 357,151 | 331,885 | 327,349 |
| Total Borrowings | - | - | 405,554 | - | 368,109 | 350,828 | 336,088 | 320,277 | 305,951 | 301,380 |
| Total Equity | 38,625 | 36,966 | 32,450 | 8,681 | 29,284 | 27,607 | 26,548 | 21,582 | 19,439 | 18,250 |
| Total Equity And Liabilities | 504,923 | 480,457 | 447,772 | - | 407,080 | 387,292 | 369,974 | 357,151 | 331,885 | 327,349 |
| Total Liabilities | 466,298 | 443,491 | 415,322 | -8,681 | 377,796 | 359,685 | 343,426 | 335,569 | 312,446 | 309,099 |
| Trade Payables | - | 949.00 | 991.00 | - | 949.00 | 1,115 | 784.00 | 620.00 | 645.00 | 692.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 1,500 | - | - | - | 5,055 | 3,396 | 6,796 | 5,154 |
| Cash From Investing Activity | -451.00 | -584.00 | -209.00 | -133.00 | -202.00 | -315.00 | -251.00 | -310.00 |
| Cash From Operating Activity | -2,460 | -5,910 | -8,786 | 14,277 | -2,003 | 1,726 | -14,510 | -44,376 |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | - | - | - | - |
| Cash Paid For Loan Advances | -41,917 | -43,903 | -38,392 | -14,754 | -10,649 | -8,606 | -574.00 | -26,582 |
| Cash Paid For Purchase Of Fixed Assets | -455.00 | -587.00 | -212.00 | -158.00 | -205.00 | -322.00 | -254.00 | -314.00 |
| Cash Paid For Purchase Of Investments | - | - | - | - | - | - | - | - |
| Cash Receipts From Deposits | 413,271 | 385,541 | 359,775 | 343,165 | 330,328 | 314,201 | 300,311 | 295,354 |
| Cash Received From Issue Of Shares | 1,500 | - | - | - | 255.00 | 3,403 | 6,592 | 5,158 |
| Cash Received From Sale Of Fixed Assets | 4.00 | 3.00 | 4.00 | 24.00 | 3.00 | 7.00 | 3.00 | 4.00 |
| Change In Other Working Capital Items | 2,797 | 4,466 | 5,603 | 10,656 | -12,328 | -7,946 | -22,520 | -18,520 |
| Change In Working Capital | -11,390 | -13,671 | -16,179 | 8,738 | -6,851 | -2,662 | -18,138 | -47,057 |
| Direct Taxes Paid | 805.00 | -259.00 | - | - | - | -149.00 | 179.00 | -301.00 |
| Dividends Paid | - | - | - | - | - | -7.00 | -7.00 | -3.00 |
| Interest Paid | - | - | - | - | - | - | - | - |
| Net Cash Flow | -1,410 | -6,494 | -8,995 | 14,143 | 2,849 | 4,807 | -7,965 | -39,533 |
| Operating Deposits | 27,730 | 25,766 | 16,611 | 12,836 | 16,127 | 13,890 | 4,957 | -1,955 |
| Other Cash Financing Items Paid | - | - | - | - | 4,800 | - | 212.00 | -1.00 |
| Profit From Operations | 8,125 | 8,020 | 7,393 | 5,539 | 4,847 | 4,538 | 3,449 | 2,981 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Centralbk | 2025-09-30 | - | 0.88 | 4.86 | 4.98 | 0.00 |
| Centralbk | 2025-06-30 | - | 0.97 | 5.06 | 4.70 | 0.00 |
| Centralbk | 2025-03-31 | - | 1.27 | 5.87 | 3.59 | 0.00 |
| Centralbk | 2024-12-31 | - | 0.44 | 2.82 | 3.65 | 0.00 |
💬
Stock Chat