Central Bank of India
- Market cap
- ₹ 26,104 Cr.
- P/E
- 5.4x
- P/B
- 0.7x
- 52-week range
- 28.26 – 40.92
- ROE
- 12%
- Dividend yield
- 2.7%
- Debt / equity
- 0.85
- Sector
- Banks
- Industry
- Public Sector Bank
- Listed on
- NSE, BSE
About
Central Bank of India Limited is an India-based commercial bank. The Company offers various banking services, including digital banking; deposits; retail loans; agriculture; services for micro, small and medium enterprises; corporate loans; services for non-resident Indians; services for pensioners. Its digital banking services include Internet banking, mobile banking, Cent M-Passbook, debit cards, credit cards, missed call facility, railways ticket booking, centpay, automated teller machine. Its deposits services include savings bank accounts, current accounts, time deposits, recurring deposit scheme, small saving scheme and interest rate on deposits. Its Retail Banking services include housing loans, vehicle loans, education loans, personal/gold loans, loans to senior citizens, and loan against property-personal needs. Its agriculture services include Central Kisan Credit Card, Cent Agri Gold Loan Scheme, Cent SHG Bank Linkage Scheme, CENT AGRI INFRA Scheme, and others.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Public Sector Bank: 12 companies →Central Bank of India against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)5.4 against a typical 7: cheaper than most peers (1st = cheapest).3rd of 12
- Sales growth+18.4% against a typical +12.3% from a year earlier.2nd of 12
- Profit growth+20.6% against a typical +23.7% from a year earlier.7th of 12
- Share price, 3 months−7.2% against a typical −5.1%.9th of 12
- Size₹ 26,104.2 Cr. market value against a typical ₹ 59,662.7 Cr. (1st = largest).10th of 11
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
High safety
Rated AA+ to AA by 2 agencies- CRISIL raised its rating on 4 Aug 2026. ICRA may follow.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| India Ratings | Withdrawn | — | 8 Oct 2026 |
| CARE | — | — | 7 Oct 2026 |
| CRISIL | Crisil AA+ | Stable | 4 Aug 2026 |
| ICRA | [ICRA]AA (Stable) | Stable | 5 Jun 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 8 Oct 2026 | Withdrawn | — | — | India Ratings | ₹ 1,000 Cr. | |
| 7 Oct 2026 | Reaffirmed | — | — | CARE | ₹ 15,500 Cr. | |
| 4 Aug 2026 | ▲ Upgrade1 notch | Crisil AA → Crisil AA+ | — | CRISIL | ₹ 23,500 Cr. | |
| 18 Jun 2026 | Reaffirmed | — | — | CARE | ₹ 15,300 Cr. | |
| 5 Jun 2026 | Reaffirmed | [ICRA]AA (Stable) | — | ICRA | ₹ 4,000 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 17 Oct 2026 | Financial Results | To consider and approve the financial results for the period ended September 30, 2026 |
| 17 Jul 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 30 Apr 2026 | Dividend/Fund Raising | To consider dividend and Fund Raising |
| 16 Jan 2026 | Financial Results/Dividend | To consider and approve the financial results for the period ended December 31, 2025 and dividend |
| 17 Oct 2025 | Financial Results/Dividend | To consider and approve the financial results for the period ended September 30, 2025 and dividend |
| 19 Jul 2025 | Financial Results/Dividend | To consider and approve the financial results for the period ended Jun 30, 2025 and Interim dividend |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7,842 | 8,371 | 8,367 | 8,235 | 8,542 | 8,653 | 8,623 | 8,777 | 9,070 | 9,698 | 9,726 | 10,394 |
| Interest | 4,672 | 4,811 | 4,801 | 4,807 | 4,984 | 5,238 | 5,222 | 5,476 | 5,552 | 5,677 | 5,794 | 6,227 |
| Expenses | 3,377 | 3,561 | 3,920 | 3,500 | 3,373 | 3,968 | 3,381 | 3,291 | 3,853 | 3,573 | 3,129 | 3,833 |
| Financing Profit | −207 | −1 | −354 | −71 | 185 | −553 | 21 | 9 | −335 | 448 | 803 | 334 |
| Financing Margin % | −3% | 0% | −4% | −1% | 2% | −6% | 0% | 0% | −4% | 5% | 8% | 3% |
| Other Income | 1,329 | 1,363 | 1,166 | 1,649 | 1,232 | 1,723 | 1,857 | 1,470 | 1,927 | 1,161 | 988 | 1,380 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,122 | 1,363 | 812 | 1,578 | 1,418 | 1,171 | 1,878 | 1,479 | 1,592 | 1,609 | 1,791 | 1,715 |
| Tax % | 35% | 40% | −9% | 42% | 32% | 11% | 33% | 18% | 21% | 54% | 26% | 14% |
| Net Profit | 738 | 817 | 945 | 926 | 966 | 1,106 | 1,284 | 1,234 | 1,265 | 748 | 1,325 | 1,488 |
| EPS in Rs | 0.85 | 0.94 | 1.09 | 1.06 | 1.11 | 1.22 | 1.42 | 1.36 | 1.4 | 0.82 | 1.46 | 1.64 |
| Gross NPA % | 4.5% | 4.5% | 4.5% | 4.6% | 3.9% | 3.2% | 3.1% | 3% | 2.7% | 2.7% | 2.6% | 2.4% |
| Net NPA % | 1.3% | 1.2% | 0.8% | 0.7% | 0.6% | 0.6% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.3% |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 3%
- 5 Years
- 10%
- 3 Years
- 12%
- TTM
- 12%
- 10 Years
- 18%
- 5 Years
- 46%
- 3 Years
- 39%
- TTM
- 7%
- 10 Years
- −10%
- 5 Years
- 6%
- 3 Years
- −13%
- TTM
- —
- 10 Years
- −1%
- 5 Years
- 9%
- 3 Years
- 11%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Central Bank of India | ₹ 28.95 | ₹ 26,104 Cr. | 5.4x | 0.7x | 12% | — |
| HDFC Bank | ₹ 692.10 | ₹ 10,66,990 Cr. | 16.5x | 2.2x | 13.7% | 25.6% |
| ICICI Bank | ₹ 1,395.00 | ₹ 10,01,336 Cr. | 19.3x | 2.9x | 16% | 25.9% |
| State Bank of India | ₹ 957.00 | ₹ 8,83,384 Cr. | 11.8x | 1.6x | 15.4% | 21.4% |
| Kotak Mahindra Bank | ₹ 430.10 | ₹ 4,27,849 Cr. | 20.2x | 2.1x | 11.4% | 24.5% |
| Union Bank of India | ₹ 178.50 | ₹ 1,36,260 Cr. | 6.6x | 1x | 15.8% | 33.2% |
Management
- Chandrakant C. Bhagwat
- Compliance Officer, Company Secretary
- Kavita Thakur
- Chief Compliance Officer
- Joy Mukherjee
- Deputy General Manager
- Mahendra Dohare
- Executive Director
- E. Ratan Kumar
- Executive Director
- Malladi Venkat Murali Krishna
- Executive Director
Prices are delayed and for information only. Nothing on this page is investment advice.