Nifty
:
25725.40
Sensex
:
83450.96
42.65 (0.17%)
173.81 (0.21%)
Nifty
Sensex
:
:
25725.40
83450.96
42.65 (0.17%)
173.81 (0.21%)

Central Bank Of India

Bank - Public

Rating :
68/99

BSE: 532885 | NSE: CENTRALBK

NSE BSE
37.94
17-Feb-2026
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  37.26
  •  38.8
  •  37.23
  •  37.25
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  8652022
  •  329663049.42
  •  48.2
  •  32.75

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 34,350.07
  • 7.04
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 33,238.29
  • 0.50%
  • 0.97

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 89.27%
  • 0.17%
  • 4.63%
  • FII
  • DII
  • Others
  • 0.85%
  • 3.55%
  • 1.53%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -7.76
  • -14.24
  • 7.77

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 33.53

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 1.13
  • 1.37

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 13.79
  • 14.47

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.94
  • 1.13
  • 1.37

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -0.83
  • 1.47
  • 3.67

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Interest Earned
9,069.98
8,541.83
6.18%
8,776.54
8,235.34
6.57%
8,623.38
8,367.01
3.06%
8,653.26
8,371.23
3.37%
Interest Exp.
5,551.74
4,983.56
11.40%
5,476.04
4,806.54
13.93%
5,221.75
4,801.46
8.75%
5,238.11
4,811.04
8.88%
Net Interest Income
3,518.24
3,558.27
-1.12%
3,300.50
3,428.80
-3.74%
3,401.63
3,565.55
-4.60%
3,415.15
3,560.19
-4.07%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
1,936.96
1,232.42
57.17%
1,507.17
1,648.94
-8.60%
1,786.73
1,166.36
53.19%
1,822.79
1,363.07
33.73%
Total Income
11,006.94
9,774.25
12.61%
10,283.71
9,884.28
4.04%
10,410.11
9,533.37
9.20%
10,476.05
9,734.30
7.62%
Operating Exp.
3,158.29
2,813.97
12.24%
3,012.25
2,901.75
3.81%
2,872.95
2,726.40
5.38%
3,221.06
2,850.86
12.99%
Operating Profit
2,296.91
1,976.72
16.20%
1,795.42
2,175.99
-17.49%
2,315.41
2,005.51
15.45%
2,016.88
2,072.40
-2.68%
Provision
704.63
559.03
26.05%
316.22
598.28
-47.15%
522.47
1,193.42
-56.22%
846.30
709.89
19.22%
PBT
1,592.28
1,417.69
12.32%
1,479.20
1,577.71
-6.24%
1,877.79
812.09
131.23%
1,170.58
1,362.51
-14.09%
PBTM
17.56
16.60
5.78%
16.85
19.16
-12.06%
21.78
9.71
124.30%
13.53
16.28
-16.89%
TAX
327.34
449.51
-27.18%
259.61
657.07
-60.49%
617.33
-74.87
-
128.56
550.68
-76.65%
PAT
1,264.94
968.18
30.65%
1,219.59
920.64
32.47%
1,260.46
886.96
42.11%
1,042.02
811.83
28.35%
PATM
13.95%
11.33%
13.90%
11.18%
14.62%
10.60%
12.04%
9.70%
EPS
1.40
1.07
30.84%
1.35
1.02
32.35%
1.39
0.98
41.84%
1.15
0.90
27.78%
Gross NPA
8,801.10
10,539.56
-16.49%
8,901.12
11,676.00
-23.77%
8,706.16
11,453.11
-23.98%
9,289.29
11,398.44
-18.50%
Gross NPA%
2.71
3.87
-29.97%
3.02
4.59
-34.20%
3.14
4.54
-30.84%
3.18
4.50
-29.33%
Net NPA
1,458.72
1,606.28
-9.19%
1,408.13
1,719.64
-18.11%
1,349.11
1,813.05
-25.59%
1,581.83
3,038.41
-47.94%
Net NPA%
0.46
0.61
-24.59%
0.49
0.70
-30.00%
0.50
0.75
-33.33%
0.56
1.24
-54.84%
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Interest Income
13,635.52
13,967.78
12,966.55
11,752.00
9,542.46
8,286.57
7,671.03
6,813.96
6,559.80
6,608.51
7,098.36
Interest Earned
35,123.16
33,797.45
30,848.92
25,657.10
22,903.34
22,829.53
23,675.59
22,748.62
24,163.12
24,774.96
25,987.66
Interest Expended
21,487.64
19,829.67
17,882.37
13,905.10
13,360.88
14,542.96
16,004.56
15,934.66
17,603.32
18,166.45
18,889.30
Int. income Growth
-3.38%
7.72%
10.33%
23.15%
15.16%
8.02%
12.58%
3.87%
-0.74%
-6.90%
 
Other Income
7,053.65
5,870.51
4,713.06
4,084.49
2,967.49
3,110.77
3,622.40
2,416.33
2,620.41
2,871.16
1,944.47
Total Income
42,176.81
19,838.29
17,679.61
15,836.49
12,509.95
11,397.34
11,293.43
9,230.29
9,180.21
9,479.67
9,042.83
Total Expenditure
12,264.55
15,462.91
14,603.80
12,778.04
10,476.56
12,419.32
11,923.40
17,108.82
16,806.34
12,753.66
11,460.20
Employee Cost
-
7,234.85
6,325.77
5,615.70
4,482.15
4,150.23
4,225.87
3,574.48
3,990.05
4,221.20
4,472.15
% Of Sales
-
21.41%
20.51%
21.89%
19.57%
18.18%
17.85%
15.71%
16.51%
17.04%
17.21%
Opt. & Establishment Exp.
-
4,985.90
4,448.95
3,680.28
3,091.68
2,940.91
2,998.61
2,783.61
2,696.22
2,414.77
2,145.32
% Of Sales
-
14.75%
14.42%
14.34%
13.50%
12.88%
12.67%
12.24%
11.16%
9.75%
8.26%
Provisions
-
4,357.30
4,828.74
4,254.02
3,496.25
5,913.24
5,269.88
11,306.59
10,641.07
6,633.07
5,322.31
% Of Sales
-
12.89%
15.65%
16.58%
15.27%
25.90%
22.26%
49.70%
44.04%
26.77%
20.48%
EBITDA
8,424.62
4,375.38
3,075.81
3,058.45
2,033.39
-1,021.98
-629.97
-7,878.53
-7,626.13
-3,273.99
-2,417.37
EBITDA Margin
65.08%
31.32%
23.72%
26.02%
21.31%
-12.33%
-8.21%
-115.62%
-116.26%
-49.54%
-34.06%
Depreciation
0.00
557.57
499.83
385.98
296.76
292.53
285.48
277.93
260.50
257.69
239.79
PBT
6,119.85
3,817.80
2,575.98
2,672.47
1,736.63
-1,314.52
-915.45
-8,156.46
-7,886.64
-3,531.68
-2,657.17
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
1,332.84
0.00
0.00
1,063.14
672.13
-436.03
211.86
-2,528.74
-2,791.07
-1,089.80
-1,251.00
Tax Rate
21.78%
0.00%
0.00%
39.78%
38.70%
33.17%
-23.14%
31.00%
35.39%
30.86%
47.08%
PAT
4,780.15
3,808.80
2,567.04
1,599.72
1,057.34
-883.71
-1,130.95
-5,633.51
-5,101.56
-2,444.46
-1,410.96
PAT before Minority Interest
4,787.01
3,817.80
2,575.98
1,609.33
1,064.50
-878.49
-1,127.31
-5,627.72
-5,095.57
-2,441.88
-1,406.17
Minority Interest
-6.86
-9.00
-8.94
-9.61
-7.16
-5.22
-3.64
-5.79
-5.99
-2.58
-4.79
PAT Margin
23.10%
19.20%
14.52%
10.10%
8.45%
-7.75%
-10.01%
-61.03%
-55.57%
-25.79%
-15.60%
PAT Growth
33.43%
48.37%
60.47%
51.30%
0
0
0
0
0
0
 
EPS
5.29
4.21
2.84
1.77
1.17
-0.98
-1.25
-6.22
-5.64
-2.70
-1.56

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
36,881.48
32,374.41
29,216.73
27,549.41
26,496.84
21,536.50
19,396.04
18,210.46
0.00
18,507.57
Share Capital
9,051.40
8,680.94
8,680.94
8,680.94
5,875.56
5,709.76
4,047.20
2,618.16
1,902.17
1,689.71
Total Reserves
27,830.08
23,693.47
20,535.79
18,868.47
15,821.28
15,826.74
15,136.29
15,592.31
15,626.26
16,282.86
Minority Interest
85.17
76.16
67.31
57.70
50.54
45.32
43.46
39.81
34.62
35.07
Deposits
4,13,270.98
3,85,540.78
3,59,775.12
3,43,164.57
3,30,328.31
3,14,201.14
3,00,311.39
2,95,354.49
2,97,309.23
2,66,686.30
Borrowings
21,819.64
20,012.88
8,333.92
7,663.30
5,759.66
6,076.03
5,639.67
6,025.68
9,623.30
9,503.12
Other Liabilities & Provisions
8,399.57
9,767.35
9,686.64
8,857.20
7,339.12
15,291.69
6,494.10
7,718.86
9,516.34
11,889.08
Total Liabilities
4,80,456.84
4,47,771.58
4,07,079.72
3,87,292.18
3,69,974.47
3,57,150.68
3,31,884.66
3,27,349.30
3,16,483.49
3,06,621.14
Net Block
5,214.03
5,345.24
4,785.59
4,964.27
5,141.79
4,345.71
4,319.80
4,352.85
4,299.93
4,369.02
Gross Block
8,695.70
9,714.92
8,710.83
8,548.38
8,453.16
7,451.59
7,156.24
6,950.87
6,659.09
6,491.22
Accumulated Depreciation
3,481.67
4,369.67
3,925.25
3,584.12
3,311.37
3,105.88
2,836.43
2,598.01
2,359.16
2,122.19
Total Non-Current Assets
4,66,569.09
4,31,362.34
3,89,350.17
3,67,877.29
3,50,002.65
3,34,928.31
3,08,495.61
3,03,864.25
2,23,558.86
2,89,920.53
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash and balance with RBI
22,931.43
22,954.79
27,432.92
38,033.70
32,188.10
30,059.99
20,779.45
36,000.12
75,087.18
14,070.20
Balance with banks and money at call
13,265.97
14,653.01
16,669.02
15,063.24
6,765.67
6,044.56
10,518.14
3,262.29
3,707.79
1,499.45
Investments
1,41,652.26
1,44,010.02
1,36,569.38
1,40,774.54
1,48,518.01
1,42,525.67
1,25,452.74
1,02,769.46
0.00
89,086.68
Advances
2,83,505.40
2,44,399.28
2,03,893.26
1,69,041.54
1,57,389.08
1,51,952.38
1,47,425.48
1,57,479.53
1,40,463.96
1,80,895.18
Other Assets
13,887.76
16,409.23
17,729.54
19,414.89
19,971.84
22,222.38
23,389.03
23,485.04
18,859.50
16,700.60
Total Assets
4,80,456.85
4,47,771.57
4,07,079.71
3,87,292.18
3,69,974.49
3,57,150.69
3,31,884.64
3,27,349.29
2,42,418.36
3,06,621.13
Contingent Liabilities
1,43,711.91
96,299.80
1,32,707.90
1,79,608.83
92,139.30
56,187.03
86,673.04
1,19,402.66
83,367.83
76,807.74
Bills for collection
8,273.77
10,057.07
11,039.07
11,375.03
11,898.77
14,276.74
16,247.39
14,486.07
9,168.94
11,837.58
Adjusted Book Value
36.41
32.59
29.45
27.46
30.47
32.53
39.80
57.60
75.30
86.88

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
-2,459.64
-5,909.91
-8,786.34
14,276.55
-2,003.33
1,725.97
-14,509.99
-44,376.41
61,870.67
281.29
PBT
5,103.48
4,190.46
2,761.10
1,763.26
-1,425.41
-1,034.43
-8,131.13
-7,913.90
-3,523.09
-2,651.15
Adjustment
3,021.57
3,829.39
4,631.78
3,775.72
6,272.81
5,571.98
11,580.21
10,895.28
6,882.83
5,482.79
Adjustments for Liabilities & Assets
-11,389.75
-13,671.19
-15,871.45
8,459.87
-8,484.33
-2,662.40
-18,137.71
-47,056.77
59,610.56
-1,579.98
Refund/(Payment) of direct taxes
805.06
-258.57
-307.77
277.70
1,633.60
-149.18
178.64
-301.02
-1,099.63
-970.37
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-450.77
-584.23
-208.66
-133.38
-202.45
-314.78
-250.94
-310.23
-188.62
-148.96
Net Fixed Assets
1018.88
-1003.73
-162.24
-95.49
-1001.52
-295.21
-205.08
-291.87
-167.79
-1702.07
Other Investment Activity
-9267.53
-9910.84
-8831.83
-8738.66
-8755.50
-7690.14
-7454.22
-7127.53
-6796.00
-6810.92
Cash from Financing Activity
1,500.00
0.00
0.00
0.00
5,055.00
3,395.77
6,796.11
5,154.09
1,543.26
599.29
Closing Cash & Equivalent
36,197.39
37,607.80
44,101.94
53,096.94
38,953.77
36,104.55
31,297.59
39,262.42
78,794.96
15,569.65
Net Cash Inflow / Outflow
-1,410.41
-6,494.14
-8,995.00
14,143.17
2,849.22
4,806.96
-7,964.82
-39,532.55
63,225.31
731.62
Opening Cash & Equivalents
37,607.80
44,101.94
53,096.94
38,953.77
36,104.55
31,297.59
39,262.41
78,794.97
15,569.65
14,838.03

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value
36.41
32.59
29.45
27.46
30.47
32.53
39.80
57.60
75.30
86.88
NIM
3.03
3.04
3.06
2.63
2.40
2.32
2.24
2.19
2.12
2.49
Yield on Advances
11.92
12.62
12.58
13.55
14.51
15.58
15.43
15.34
17.64
14.37
Yield on Investments
7.87
7.05
6.58
6.93
7.64
7.82
6.92
7.51
9.66
7.93
Cost of Liabilities
4.56
4.41
3.78
3.81
4.33
5.00
5.21
5.84
5.92
6.84
Interest Spread
7.36
8.21
8.81
9.74
10.18
10.58
10.22
9.50
11.72
7.53
ROCE
9.21%
7.80%
8.66%
6.58%
-2.55%
-1.18%
-30.43%
-24.98%
-5.74%
-3.95%
Cost Income Ratio
58.79
58.12
56.26
58.17
59.65
61.44
65.87
70.00
67.28
70.53
Core Cost Income Ratio
62.55
60.55
57.26
59.18
67.52
68.85
67.44
74.69
80.35
75.42
Operating Costs to Assets
2.43
2.29
2.19
1.88
1.84
1.94
1.83
1.96
1.91
2.08
Loans/Deposits
0.05
0.05
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.04
Cash/Deposits
0.06
0.06
0.08
0.11
0.10
0.10
0.07
0.12
0.25
0.05
Investment/Deposits
0.34
0.37
0.38
0.41
0.45
0.45
0.42
0.35
0.31
0.33
Inc Loan/Deposits
5.28%
5.19%
2.32%
2.23%
1.74%
1.93%
1.88%
2.04%
3.24%
3.56%
Credit Deposits
68.60%
63.39%
56.67%
49.26%
47.65%
48.36%
49.09%
53.32%
47.25%
67.83%
Interest Expended / Interest earned
58.67%
57.97%
54.20%
58.34%
63.70%
67.60%
70.05%
72.85%
73.33%
72.69%
Interest income / Total funds
7.03%
6.89%
6.30%
5.91%
6.17%
6.63%
6.85%
7.38%
7.40%
8.48%
Interest Expended / Total funds
4.13%
3.99%
3.42%
3.45%
3.93%
4.48%
4.80%
5.38%
5.43%
6.16%
CASA
48.90%
49.97%
50.38%
50.56%
49.22%
46.34%
46.13%
42.39%
39.12%
35.41%

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • Central Bank of India inks pact with HSBC Asset Management (India)
    1st Feb 2026, 15:12 PM

    The Agreement is for distribution of their Mutual Fund Products to its customers

    Read More
  • Central Bank of India’s consolidated net profit rises 31% in Q3
    17th Jan 2026, 15:36 PM

    Consolidated total income of the bank increased by 12.61% at Rs 11,006.94 crore for Q3FY26

    Read More
  • CentralBank of India - Quarterly Results
    17th Jan 2026, 00:00 AM

    Read More
  • Central Bank of India registers 20% rise in gross advances in third quarter of FY26
    5th Jan 2026, 12:52 PM

    Total deposits grew 13.23% to Rs 4,50,536 crore as of December 31, 2025, as compared to Rs 3,97,907 crore as of December 31, 2024

    Read More
  • Central Bank of India enters into distribution agreement with Bandhan AMC
    11th Dec 2025, 11:08 AM

    Bandhan AMC is focused on helping savers become investors and create wealth

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.