Idbi Bank Ltd
IDBI
Banks
₹ 97.90
Price
₹ 105,266
Market Cap
Large Cap
11.34
P/E Ratio
📊 Score Snapshot
1.99 / 25
Performance
25 / 25
Valuation
3.5 / 20
Growth
7.0 / 30
Profitability
37.49 / 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 | 17.84 | -5.75 | -8.50 | -1.75 | 2.53 | -17.17 | -69.21 | -90.85 |
| Adj Cash PAT | 19,197 | -6,159 | -9,113 | -1,852 | 2,731 | -17,816 | -53,532 | -28,001 |
| Adj Cash PAT To PAT | 2.51 | -1.05 | -2.45 | -0.72 | 1.78 | 1.39 | 3.56 | 3.68 |
| Adj Cash PE | 4.36 | - | - | - | 15.44 | - | - | - |
| Adj EPS | 7.10 | 5.43 | 3.45 | 2.36 | 1.41 | -12.37 | -19.46 | -24.70 |
| Adj Number Of Shares | 1,075 | 1,076 | 1,074 | 1,074 | 1,074 | 1,038 | 773.72 | 308.38 |
| Adj PE | 10.95 | 16.58 | 13.04 | 18.71 | 27.66 | - | - | - |
| Adj Peg | 0.36 | 0.29 | 0.28 | 0.28 | - | - | - | - |
| Bvps | 57.49 | 47.61 | 43.25 | 39.77 | 35.15 | 33.65 | 49.69 | 71.32 |
| Cash Revenue | 28,917 | 52,892 | 41,184 | 36,632 | 39,912 | 41,708 | 44,204 | 46,092 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 2.74 | 1.70 | 2.22 | - | - | - | - | - |
| Fcfe | 14,646 | -5,838 | -11,517 | -4,764 | -2,167 | -17,718 | -53,046 | -26,904 |
| Fcfe Margin | 50.65 | -11.04 | -27.97 | -13.01 | -5.43 | -42.48 | -120.00 | -58.37 |
| Fcfe To Adj PAT | 1.91 | -0.99 | -3.09 | -1.86 | -1.41 | 1.38 | 3.53 | 3.54 |
| Market Cap | 83,543 | 95,535 | 48,339 | 47,405 | 41,877 | 20,146 | 34,585 | 22,543 |
| PB | 1.35 | 1.87 | 1.04 | 1.11 | 1.11 | 0.58 | 0.90 | 1.02 |
| PE | 10.95 | 16.51 | 13.04 | 18.71 | 27.66 | - | - | - |
| Peg | 0.34 | 0.30 | 0.28 | 0.28 | - | - | - | - |
| PS | 2.89 | 1.81 | 1.17 | 1.29 | 1.05 | 0.48 | 0.78 | 0.49 |
| ROE | 13.55 | 12.02 | 8.36 | 6.36 | 4.22 | -34.96 | -49.78 | -33.54 |
| Share Price | 77.73 | 88.80 | 45.00 | 44.15 | 39.00 | 19.40 | 44.70 | 73.10 |
📊 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 | 7,109 | 7,027 | 6,983 | 15,638 | 14,890 | 13,340 | 13,990 | 13,098 | 12,076 | 13,728 | 11,458 | 10,460 | 9,988 | 9,278 |
| Interest | 3,816 | 3,851 | 3,683 | 3,583 | 3,562 | 3,428 | 3,298 | 3,102 | 2,966 | 2,861 | 2,445 | 2,304 | 2,238 | 2,144 |
| Expenses - | 1,651 | 2,091 | 2,415 | 2,382 | 2,781 | 1,553 | 2,565 | 2,444 | 1,701 | 3,067 | 3,167 | 2,563 | 2,430 | 2,571 |
| Financing Profit | 1,642 | 1,085 | 885.00 | 1,854 | 1,102 | 1,688 | 1,132 | 1,003 | 1,372 | 936.00 | 118.00 | 363.00 | 326.00 | -77.00 |
| Financing Margin % | 23.10 | 15.44 | 12.67 | 11.86 | 7.40 | 12.65 | 8.09 | 7.66 | 11.36 | 6.82 | 1.03 | 3.47 | 3.26 | -0.83 |
| Other Income - | 2,155 | 1,472 | 2,107 | 810.00 | 1,368 | 857.00 | 961.00 | 1,031 | 1,025 | 907.00 | 1,404 | 923.00 | 1,058 | 1,190 |
| Profit Before Tax | 3,797 | 2,557 | 2,991 | 2,664 | 2,470 | 2,546 | 2,093 | 2,034 | 2,397 | 1,843 | 1,521 | 1,286 | 1,384 | 1,114 |
| Tax % | 14.64 | 20.84 | 29.99 | 26.65 | 24.33 | 31.70 | 20.11 | 25.52 | 41.89 | 33.04 | 19.59 | 26.13 | 43.50 | 30.61 |
| Net Profit - | 3,241 | 2,024 | 2,094 | 1,954 | 1,869 | 1,739 | 1,672 | 1,515 | 1,393 | 1,234 | 1,223 | 950.00 | 782.00 | 773.00 |
| Profit From Associates | - | - | 22.00 | 25.00 | 21.00 | - | 17.00 | 34.00 | - | - | 17.00 | 10.00 | 14.00 | - |
| Minority Share | -11.00 | -5.00 | -7.00 | -6.00 | -8.00 | -5.00 | -7.00 | -6.00 | -8.00 | -5.00 | -7.00 | -5.00 | -6.00 | -4.00 |
| Profit Excl Exceptional | 3,241 | 2,024 | 2,094 | 1,954 | 1,869 | 1,739 | 1,672 | 1,515 | 1,393 | 1,234 | 1,223 | 950.00 | 782.00 | 773.00 |
| Profit For PE | 3,230 | 2,019 | 2,087 | 1,948 | 1,861 | 1,734 | 1,665 | 1,509 | 1,385 | 1,229 | 1,217 | 945.00 | 776.00 | 769.00 |
| Profit For EPS | 3,230 | 2,019 | 2,087 | 1,948 | 1,861 | 1,734 | 1,665 | 1,509 | 1,385 | 1,229 | 1,217 | 945.00 | 776.00 | 769.00 |
| EPS In Rs | 3.00 | 1.88 | 1.94 | 1.81 | 1.73 | 1.61 | 1.55 | 1.40 | 1.29 | 1.14 | 1.13 | 0.88 | 0.72 | 0.71 |
| PAT Margin % | 45.59 | 28.80 | 29.99 | 12.50 | 12.55 | 13.04 | 11.95 | 11.57 | 11.54 | 8.99 | 10.67 | 9.08 | 7.83 | 8.33 |
| PBT Margin | 53.41 | 36.39 | 42.83 | 17.04 | 16.59 | 19.09 | 14.96 | 15.53 | 19.85 | 13.43 | 13.27 | 12.29 | 13.86 | 12.01 |
| Tax | 556.00 | 533.00 | 897.00 | 710.00 | 601.00 | 807.00 | 421.00 | 519.00 | 1,004 | 609.00 | 298.00 | 336.00 | 602.00 | 341.00 |
| Yoy Profit Growth % | 74.00 | 16.00 | 25.00 | 29.00 | 34.00 | 41.00 | 37.00 | 60.00 | 79.00 | 60.00 | 66.00 | 54.00 | 32.00 | 28.00 |
| Adj PAT | 3,241 | 2,024 | 2,094 | 1,954 | 1,869 | 1,739 | 1,672 | 1,515 | 1,393 | 1,234 | 1,223 | 950.00 | 782.00 | 773.00 |
| Adj PAT Margin | 45.59 | 28.80 | 29.99 | 12.50 | 12.55 | 13.04 | 11.95 | 11.57 | 11.54 | 8.99 | 10.67 | 9.08 | 7.83 | 8.33 |
💰 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 | 28,917 | 52,892 | 41,184 | 36,632 | 39,912 | 41,708 | 44,204 | 46,092 | 55,610 | 56,116 | 56,328 | 53,216 |
| Interest | 14,257 | 12,226 | 9,130 | 9,122 | 11,408 | 13,841 | 16,162 | 17,376 | 22,019 | 21,931 | 22,387 | 20,558 |
| Expenses - | 8,594 | 9,233 | 10,232 | 9,975 | 10,515 | 20,146 | 24,118 | 20,698 | 18,130 | 14,339 | 8,424 | 7,226 |
| Financing Profit | 6,067 | 4,986 | 1,229 | -781.00 | -1,967 | -13,133 | -18,178 | -15,028 | -12,344 | -8,212 | -2,647 | -1,176 |
| Financing Margin % | 20.98 | 9.43 | 2.98 | -2.13 | -4.93 | -31.49 | -41.12 | -32.60 | -22.20 | -14.63 | -4.70 | -2.21 |
| Other Income - | 5,211 | 3,892 | 4,618 | 4,958 | 4,849 | 4,636 | 3,608 | 6,731 | 4,208 | 3,518 | 4,189 | 3,114 |
| Exceptional Items | -2.00 | 83.00 | -2.00 | 1.00 | - | -5.00 | -73.00 | 517.00 | -1.00 | - | - | -2.00 |
| Depreciation | 538.00 | 543.00 | 499.00 | 417.00 | 397.00 | 394.00 | 370.00 | 377.00 | 362.00 | 218.00 | 141.00 | 117.00 |
| Profit Before Tax | 10,738 | 8,418 | 5,346 | 3,760 | 2,484 | -8,896 | -15,013 | -8,157 | -8,498 | -4,912 | 1,401 | 1,819 |
| Tax % | 28.70 | 30.93 | 30.27 | 31.99 | 38.33 | -44.10 | 0.29 | 0.50 | 41.20 | 27.24 | 31.69 | 35.90 |
| Net Profit - | 7,656 | 5,814 | 3,728 | 2,557 | 1,532 | -12,819 | -14,970 | -8,116 | -4,997 | -3,574 | 957.00 | 1,166 |
| Profit From Associates | - | - | - | - | 83.00 | 28.00 | 43.00 | 41.00 | 73.00 | 50.00 | - | - |
| Minority Share | -26.00 | -26.00 | -22.00 | -23.00 | -18.00 | -16.00 | -17.00 | -17.00 | -19.00 | -17.00 | -15.00 | -14.00 |
| Exceptional Items At | -2.00 | 83.00 | -1.00 | - | - | -3.00 | -73.00 | 517.00 | -1.00 | - | - | -1.00 |
| Profit Excl Exceptional | 7,659 | 5,731 | 3,729 | 2,557 | 1,532 | -12,817 | -14,897 | -8,633 | -4,996 | -3,574 | 957.00 | 1,168 |
| Profit For PE | 7,633 | 5,705 | 3,707 | 2,533 | 1,514 | -12,833 | -14,914 | -8,649 | -5,015 | -3,591 | 942.00 | 1,153 |
| Profit For EPS | 7,631 | 5,788 | 3,706 | 2,534 | 1,514 | -12,835 | -14,987 | -8,132 | -5,016 | -3,591 | 942.00 | 1,152 |
| EPS In Rs | 7.10 | 5.38 | 3.45 | 2.36 | 1.41 | -12.36 | -19.37 | -26.37 | -24.36 | -17.44 | 5.87 | 7.18 |
| Dividend Payout % | 30.00 | 28.00 | 29.00 | - | - | - | - | - | - | - | 13.00 | 14.00 |
| PAT Margin % | 26.48 | 10.99 | 9.05 | 6.98 | 3.84 | -30.74 | -33.87 | -17.61 | -8.99 | -6.37 | 1.70 | 2.19 |
| PBT Margin | 37.13 | 15.92 | 12.98 | 10.26 | 6.22 | -21.33 | -33.96 | -17.70 | -15.28 | -8.75 | 2.49 | 3.42 |
| Tax | 3,082 | 2,604 | 1,618 | 1,203 | 952.00 | 3,923 | -43.00 | -41.00 | -3,501 | -1,338 | 444.00 | 653.00 |
| Adj PAT | 7,655 | 5,871 | 3,727 | 2,558 | 1,532 | -12,826 | -15,043 | -7,602 | -4,998 | -3,574 | 957.00 | 1,165 |
| Adj PAT Margin | 26.47 | 11.10 | 9.05 | 6.98 | 3.84 | -30.75 | -34.03 | -16.49 | -8.99 | -6.37 | 1.70 | 2.19 |
🏦 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 | - | 2,933 | 3,386 | - | 2,873 | 2,467 | 2,764 | 2,403 | 2,988 | 2,913 |
| Advance From Customers | - | 674.00 | 726.00 | - | 547.00 | 432.00 | 408.00 | 414.00 | 178.00 | 396.00 |
| Average Total Assets | - | 388,810 | 348,078 | - | 317,019 | 300,596 | 299,676 | 310,905 | 336,010 | 356,698 |
| Average Total Equity | - | 56,506 | 48,842 | - | 44,578 | 40,220 | 36,340 | 36,692 | 30,218 | 22,664 |
| Borrowing | 24,301 | 19,932 | 17,083 | - | 12,638 | 14,345 | 15,908 | 36,749 | 45,288 | 63,186 |
| Cwip | - | 80.00 | 108.00 | - | 477.00 | 400.00 | 471.00 | 488.00 | 468.00 | 502.00 |
| Cash Equivalents | 20,198 | 19,904 | 12,218 | - | 14,151 | 25,565 | 9,921 | 8,399 | 10,672 | 11,671 |
| Deposits | 303,212 | 309,975 | 277,366 | - | 255,313 | 232,850 | 230,707 | 222,214 | 227,190 | 247,777 |
| Fixed Assets | 12,033 | 12,120 | 9,435 | - | 9,303 | 9,587 | 7,402 | 7,719 | 7,842 | 6,350 |
| Gross Block | - | 15,052 | 12,821 | - | 12,176 | 12,054 | 10,166 | 10,123 | 10,830 | 9,263 |
| Investments | 123,246 | 118,453 | 115,719 | - | 100,409 | 83,475 | 81,471 | 81,996 | 93,328 | 91,848 |
| Loans N Advances | 230,218 | 946.00 | 2,847 | - | 2,556 | 3,478 | 6,540 | 6,000 | 5,092 | 4,143 |
| Long Term Borrowings | - | - | - | - | - | - | - | - | 45,288 | 63,186 |
| Net Debt | -143,444 | -138,357 | 166,511 | - | 153,391 | 138,155 | 155,223 | 168,568 | 168,478 | 207,443 |
| Non Controlling Interest | 167.00 | 165.00 | 153.00 | - | 138.00 | 128.00 | 113.00 | 104.00 | 97.00 | 86.00 |
| Other Asset Items | 31,035 | 261,459 | 224,333 | - | 204,602 | 180,035 | 192,848 | 196,098 | 203,710 | 236,394 |
| Other Borrowings | - | - | 294,448 | - | 267,951 | 247,195 | 246,615 | 258,963 | 227,190 | 247,777 |
| Other Liability Items | 20,928 | 18,699 | 15,624 | - | 14,193 | 10,540 | 12,347 | 5,427 | 8,336 | 15,999 |
| Reserves | 57,370 | 50,868 | 40,321 | - | 35,567 | 31,819 | 26,876 | 24,455 | 30,610 | 18,824 |
| Share Capital | 10,752 | 10,752 | 10,752 | 10,752 | 10,752 | 10,752 | 10,752 | 10,381 | 7,736 | 3,084 |
| Total Assets | 416,730 | 412,962 | 364,659 | - | 331,498 | 302,540 | 298,653 | 300,699 | 321,111 | 350,909 |
| Total Borrowings | - | - | 294,448 | - | 267,951 | 247,195 | 246,615 | 258,963 | 272,478 | 310,962 |
| Total Equity | 68,289 | 61,785 | 51,226 | 10,752 | 46,457 | 42,699 | 37,741 | 34,940 | 38,443 | 21,994 |
| Total Equity And Liabilities | 416,730 | 412,962 | 364,659 | - | 331,498 | 302,540 | 298,653 | 300,699 | 321,111 | 350,909 |
| Total Liabilities | 348,441 | 351,177 | 313,433 | -10,752 | 285,041 | 259,841 | 260,912 | 265,759 | 282,668 | 328,915 |
| Trade Payables | - | 1,897 | 2,635 | - | 2,349 | 1,674 | 1,542 | 956.00 | 1,677 | 1,558 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -6,990 | -1,768 | -3,569 | -4,383 | -5,342 | 9,279 | 21,622 | 12,843 |
| Cash From Investing Activity | -338.00 | -217.00 | -283.00 | -192.00 | -59.00 | -296.00 | 116.00 | 720.00 |
| Cash From Operating Activity | 25,796 | -1,252 | -2,701 | 5,068 | 10,214 | 208.00 | -34,215 | -12,514 |
| Cash Paid For Loan Advances | -27,514 | -27,043 | -24,359 | -10,327 | 1,332 | 4,895 | 945.00 | -284.00 |
| Cash Paid For Purchase Of Fixed Assets | -350.00 | -312.00 | -294.00 | -195.00 | -59.00 | -296.00 | - | - |
| Cash Paid For Redemption Of Debentures | -4,745 | - | -2,609 | -3,134 | -5,981 | - | - | - |
| Cash Receipts From Deposits | 309,975 | 277,366 | 255,313 | 232,850 | 230,707 | 222,214 | 227,190 | 247,777 |
| Cash Received From Issue Of Debentures | - | - | - | - | 745.00 | - | - | - |
| Cash Received From Issue Of Shares | - | - | - | - | 1,435 | 9,300 | - | - |
| Cash Received From Sale Of Fixed Assets | 6.00 | 90.00 | - | - | - | - | 116.00 | 720.00 |
| Change In Other Working Capital Items | 6,446 | -7,039 | -10,944 | 3,728 | -8,579 | -4,909 | -18,848 | 324.00 |
| Change In Working Capital | 11,542 | -12,030 | -12,840 | -4,410 | 1,199 | -4,990 | -38,489 | -20,399 |
| Direct Taxes Paid | 1,735 | -334.00 | - | - | - | - | - | - |
| Dividends Paid | -1,625 | -1,086 | -12.00 | -8.00 | -7.00 | -21.00 | -2.00 | -22.00 |
| Interest Paid | -646.00 | -707.00 | -948.00 | -1,240 | -1,534 | - | - | - |
| Net Cash Flow | 18,467 | -3,237 | -6,554 | 492.00 | 4,813 | 9,191 | -12,477 | 1,049 |
| Operating Deposits | 32,610 | 22,052 | 22,464 | 2,189 | 8,446 | -4,976 | -20,586 | -20,439 |
| Other Cash Financing Items Paid | 26.00 | 26.00 | - | - | - | - | 21,624 | 12,865 |
| Other Cash Investing Items Paid | 5.00 | 5.00 | 11.00 | 2.00 | - | - | - | - |
| Profit From Operations | 12,518 | 11,112 | 10,139 | 9,477 | 9,014 | 5,198 | 4,274 | 7,885 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Idbi | 2025-09-30 | - | 0.47 | 0.11 | 4.68 | 0.00 |
| Idbi | 2025-06-30 | - | 0.54 | 0.15 | 4.59 | 0.00 |
| Idbi | 2025-03-31 | - | 0.46 | 0.18 | 4.63 | 0.00 |
| Idbi | 2024-12-31 | - | 0.42 | 0.18 | 4.69 | 0.00 |
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