BANKINDIA

Bank of India share price & financials

Price
₹146.57
Market cap
₹62.4k Cr
Sector
Financial Services
Calls analysed
6
Latest concall · Q1 FY27 · call held 24 Jul 2026

Bank of India Q1 FY27

Net Profit ₹3,068 cr +36%

What went well

  • Net Profit increased by 36.23% YoY to Rs. 3,068 crore for Jun'26 against Rs. 2,252 crore in Jun'25.
  • Operating Profit improved by 25.99% YoY and stood at Rs. 5,051 crore for Jun'26 against Rs. 4,009 crore in Jun'25.
  • Gross NPA ratio improved by 111 bps YoY to 1.81% for Jun'26, and Net NPA ratio improved by 24 bps YoY to 0.51%.

What to watch

  • Global NIM stood at 2.52% in Jun'26, a slight decrease from 2.55% in Jun'25, indicating potential margin pressure.
  • CASA ratio stood at 36.68%, with a reduction of around 3% in CASA per capita percentage and retail term deposits, reflecting structural changes in saving patterns.
Read the full call →

What Bank of India does

Bank of India is a public sector bank, majority-owned by the Government of India, that takes deposits and extends credit across retail, agriculture, MSME (together the 'RAM' segment) and corporate/wholesale banking, both domestically and through overseas branches. It earns mainly through interest income on advances and investments alongside fee-based banking income. The bank operates a nationwide network spanning metropolitan, urban, semi-urban and rural centres, supplemented by a digital banking stack that includes a mobile app, WhatsApp banking and a digital lending platform for customer onboarding and loan origination.

Segments

  • RAM (Retail, Agriculture & MSME) Banking
  • Corporate & Wholesale Banking
  • Digital Banking
Total branches
5,533 (as of 31 Mar 2026)
Domestic branches
5,511
Overseas branches
22
Employees
51,010 (as of 31 Mar 2026)
Branch mix
1,022 metropolitan, 913 urban, 1,642 semi-urban, 1,934 rural
Digital lending platform
50 loan products live (32 assisted + 18 self-serve)
Headquarters Star House, C-5, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051Employees 51,010 (2026-03-31) Company website

Guidance record · Q1 FY27

what the last two calls moved 22 tracked 3 delivered 3 missed 16 open
  • Fresh Slippages at risk said Q4 FY26 Promised: Reduce to 4,000 crores in FY27 Q1 FY27: Fresh slippages in Q1 FY27 were Rs. 1,800 crores. Annualizing this figure (Rs. 7,200 cr) puts the full-year target of Rs. 4,000 cr at significant risk.
  • Global Advances Growth delivered said Q4 FY25 Promised: 12% to 13% for FY26 Q4 FY26: FY26 Global Gross Advances growth was 15.82% YoY, exceeding the revised guidance of 13-14%.
  • CASA Ratio missed said Q4 FY25 Promised: Protect our CASA percentage at around 40% in FY26 Q4 FY26: FY26 closing CASA ratio is 37.64%, below the target of ~40%.

All 22 tracked — every revision, and every one management stopped mentioning.

Open the guidance ledger

Quarterly results

Q1 FY27: revenue up 8.7%, net profit up 36.2% against the same quarter last year.

₹ Cr · quarterly
Line itemQ2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Q3 FY26Q4 FY26Q1 FY27
Revenue17,355 18,211 18,323 18,352 18,406 +6%18,927 +4%19,476 +6%19,949 +9%
Net profit2,374 2,517 2,626 2,252 2,555 +8%2,705 +7%3,016 +15%3,068 +36%
How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Performance +19.2% 1Y

₹120₹140₹160₹180Sept 25Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Q2 FY26 — 17 Oct 2025Q3 FY26 — 21 Jan 2026Q4 FY26 — 8 May 2026Q1 FY27 — 24 Jul 2026

1Y: ₹117.49 on 10 Sept 2025 → ₹140. High ₹177.2 (26 Feb 2026), low ₹116.33 (26 Sept 2025).

How the price took the results

close before → close after

Q1 FY27
+0.3%
24 Jul
Q4 FY26
−0.4%
8 May
Q3 FY26
−1.4%
21 Jan
Q2 FY26
−1.8%
17 Oct

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

Financials, as filed

Revenue grew 16.3% a year over 3 years, FY23 to FY26.

Year endingFY23FY24FY25FY26
Revenue₹47.8k Cr₹60.7k Cr₹70.8k Cr₹75.2k Cr
Interest₹27.4k Cr₹37.7k Cr₹46.4k Cr₹50.0k Cr
Depreciation₹0 Cr₹0 Cr₹0 Cr₹0 Cr
Net profit₹3.8k Cr₹6.3k Cr₹9.2k Cr₹10.5k Cr
Net margin7.9%10.4%13.0%14.0%
ROE7.0%10.0%12.0%12.0%
How to read this

From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.

Balance sheet

Year endingFY21FY22FY23FY24FY25FY26
Equity capital₹3.3k Cr₹4.1k Cr₹4.1k Cr₹4.6k Cr₹4.6k Cr₹4.6k Cr
Reserves₹45.4k Cr₹51.0k Cr₹54.9k Cr₹64.3k Cr₹79.0k Cr₹83.4k Cr
Borrowings₹32.5k Cr₹26.8k Cr₹65.0k Cr₹80.9k Cr—₹118.6k Cr
Deposits₹627.1k Cr₹627.9k Cr₹669.6k Cr₹737.9k Cr—₹927.3k Cr
Other liabilities₹17.6k Cr₹24.8k Cr₹22.0k Cr₹24.9k Cr₹33.8k Cr₹29.6k Cr
Total liabilities₹725.9k Cr₹734.6k Cr₹815.6k Cr₹912.6k Cr₹1092.1k Cr₹1163.4k Cr
Fixed assets₹8.6k Cr₹9.5k Cr₹9.9k Cr₹10.1k Cr₹11.8k Cr₹11.5k Cr
Capital work in progress₹364 Cr₹285 Cr₹109 Cr₹148 Cr₹0 Cr₹202 Cr
Investments₹187.3k Cr₹174.4k Cr₹204.4k Cr₹227.1k Cr₹270.4k Cr₹268.6k Cr
Other assets₹529.7k Cr₹550.4k Cr₹601.2k Cr₹675.2k Cr₹809.8k Cr₹883.1k Cr
Total assets₹725.9k Cr₹734.6k Cr₹815.6k Cr₹912.6k Cr₹1092.1k Cr₹1163.4k Cr
How to read this

As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.

Who owns it

As disclosed at Jun 2026

Since Jun 2025, FIIs added +3.34 pp while DIIs trimmed −2.01 pp. The shareholder count shrank 17% to 5,95,832.

Promoters
73.4%
FIIs
6.9%
DIIs
14.0%
Public
5.8%

Since Jun 2025

  • FIIs +3.34 pp
  • DIIs −2.01 pp
  • Public −1.35 pp

How it drifted, 12 quarters

Over this window promoters fell from 81.4% to 73.4% — −8.0 pp.

Sep '23Dec '24Jun '26

Ownership split by quarter, oldest first. Sep '23: Promoters 81.4%, FIIs 2.9%, DIIs 9.6%, Public 6.1%.Dec '23: Promoters 73.4%, FIIs 4.3%, DIIs 14.7%, Public 7.7%.Mar '24: Promoters 73.4%, FIIs 4.5%, DIIs 15.8%, Public 6.3%.Jun '24: Promoters 73.4%, FIIs 3.6%, DIIs 15.5%, Public 7.5%.Sep '24: Promoters 73.4%, FIIs 3.2%, DIIs 16.3%, Public 7.1%.Dec '24: Promoters 73.4%, FIIs 2.9%, DIIs 16.4%, Public 7.3%.Mar '25: Promoters 73.4%, FIIs 3.9%, DIIs 15.9%, Public 6.8%.Jun '25: Promoters 73.4%, FIIs 3.5%, DIIs 16.0%, Public 7.1%.Sep '25: Promoters 73.4%, FIIs 4.2%, DIIs 15.6%, Public 6.8%.Dec '25: Promoters 73.4%, FIIs 5.8%, DIIs 15.2%, Public 5.6%.Mar '26: Promoters 73.4%, FIIs 7.3%, DIIs 14.0%, Public 5.4%.Jun '26: Promoters 73.4%, FIIs 6.9%, DIIs 14.0%, Public 5.8%.

Who was buying across the market this quarter →

Who is on the register

Named in the Jun 2026 filing

Every holder of Bank of India above SEBI's 1% disclosure line, and what changed since Mar 2026.

HolderStakeChange
President Of India 73.38%unchanged
Life Insurance Corporation Of India - P & Gs Fund Insurer7.83%−0.27 pp

A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.

Mutual funds in BANKINDIA

Filings to Aug 2026

0 new, 10 added, 4 trimmed, 0 sold out — net −13.34 L shares (−1.9%).

Held by funds
₹956 Cr
19 schemes
Biggest holder
Nippon India Growth Mid Cap Fund
₹205 Cr · 0.4% of that fund
SchemeHoldingLast month
Nippon India Growth Mid Cap Fund Nippon India Mutual Fund₹205 Crheld
Nippon India ETF Nifty PSU Bank BeES Nippon India Mutual Fund₹190 Cr−2.60 L
SBI Banking And Financial Services Fund SBI Mutual Fund₹157 Crheld
SBI Arbitrage Fund SBI Mutual Fund₹129 Cr−8.32 L
HDFC Arbitrage Fund HDFC Mutual Fund₹75 Cr+12.79 L
HDFC Large and Mid Cap Fund HDFC Mutual Fund₹51 Crheld
SBI Contra Fund SBI Mutual Fund₹47 Crheld
Nippon India Arbitrage Fund Nippon India Mutual Fund₹27 Crheld

HDFC, Nippon India and SBI schemes, from their monthly disclosures. Changes are counted in shares, so a price move never looks like buying or selling.

Mutual funds Aug 2026

10 added, 4 trimmed — net −13.34 L shares (−1.9%)

Funds are sitting on
+16%
vs est. average cost
Held by funds
₹956 Cr
19 schemes · ≈ 1.6% of the company
Biggest holder
Nippon India Growth Mid Cap Fund
₹205 Cr · 0.4% of that fund
Longest holder
Nippon India ETF Nifty PSU Bank BeES
7y 8m · since Jan '19

Shares held by these funds +253%

Aug '23 7.04 cr shares Jul '26

All earnings calls (5)

Read the Q1 FY27 call →

Learn to analyse Bank of India

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