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Bank Of India (BANKINDIA)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532149 NSE: BANKINDIA Bank - Public | Mid Cap | Bank Of India Share Price

₹141.45 1.80 (1.29%)

As on 05-Jun'26 16:59

Bank Of India (BANKINDIA)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532149 NSE: BANKINDIA Bank - Public | Mid Cap | Bank Of India Share Price

₹141.45 1.80 (1.29%)

As on 05-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹63,578 Cr.
Current Price
₹141.5
52-Week Low / High
₹109 / 178
TTM EPS
₹22.6
TTM Sales
₹75,613 Cr.
Book Value per Share
₹180
P/E Ratio
6.17
Lower than its 5-year historical median
Industry PE
9
Price to Book (P/B)
0.78
In line with its 5-year historical median
EV/EBITDA
7.80
Higher than its 5-year historical median
Dividend Yield
3.39%
Profitability Efficiency
Return on Equity (ROE)
13.07%
Return on Capital Employed (ROCE)
10.97%
Net Interest Margin (NIM)
2.23%
Return on Assets (ROA)
0.90%
Growth Momentum
1-yr vs 3-yr growth
Deposit Growth (1 Year)
Improving versus 3-year growth rate
13.56%
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
3.08%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
13.17%
Asset Quality
CASA
32.8%
Gross NPA(%)
1.98%
Net NPA(%)
0.56%
Cost to Income Ratio
51.40%
Cost of Liabilities
4.78%
Reserves
₹77,381 Cr.
Equity
₹4,552.7 Cr.
Face Value
₹10
All Time Low / High
₹8.75 / 588.00

Bank Of India stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is Bank Of India a good quality company?
Bank Of India is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth and Cost-to-Income ratio.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does Bank Of India performance compare with that of its Peers?
Q.1 AUM Growth of Bank Of India vs Industry Peers?
Bank Of India AUM CAGR is 9.76%, compared to the 5-year industry median CAGR of 9.76%, indicating stable growth and maintaining its market share.
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Q.1 Promoter shareholding and pledge status of Bank Of India?
Promoters hold 73.38% of the Bank Of India, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Bank Of India over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 5.6% based on the current price.
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10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Bank Of India has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Net Interest Income (₹ Cr.)11,97910,63413,79815,39914,43314,19720,49123,31724,71425,47425,474
YoY Gr. Rt. %--11.2%29.8%11.6%-6.3%-1.6%44.3%13.8%6%3.1%-
Total Income46,40544,15945,79649,40047,75046,29155,14367,30680,41285,65085,650
YoY Gr. Rt. %--4.8%3.7%7.9%-3.3%-3.1%19.1%22.1%19.5%6.5%-
Adj EPS (₹ ) -13.9-34.2-19.7-9.36.48.59.414.42122.622.6
YoY Gr. Rt. %-NANANANA33.8%9.9%54.2%45.4%8%-
BVPS (₹ )248.1178.7133118.1124.1120.7130.3139.9159180180
YoY Gr. Rt. %--28%-25.6%-11.2%5.1%-2.8%8%7.4%13.7%13.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)-0.3-1-0.9-0.50.30.50.50.70.90.90.9
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)6.98.35.63.93.42.31.71.20.80.6-
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)-----------

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income8.7%12%7.5%3.1%
Total Income7.1%12.4%15.8%6.5%
Adj EPSNA28.9%34.3%8%
BVPS-3.5%7.7%11.4%13.2%
Share Price 5.3% 11.4% 24.1% 13.8%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Interest Earned / Total Income85.386.7689.5486.2285.5682.786.9290.7488.6888.2888.3
Margins To view Margins Colour Rating Guide click here ⓘ
NIM (%)21.82.32.52.122.62.62.42.22.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)-6.1-21.2-16.2-7.85.57.67.510.913.713.113
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)31.83435.836.536.64038.337.134.832.8-

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income +46,40544,15945,79649,40047,75046,29155,14367,30680,41285,650
Interest Income 39,58538,31341,00542,59140,85438,28147,93261,07371,30875,613
Other Income ⓘ 6,8195,8464,7916,8096,8978,0117,2116,2339,10510,036
Expenditure +36,58136,94437,60137,80437,42736,25441,81453,06363,80468,390
Interest Expense 27,60627,67927,20727,19126,42124,08327,44137,75746,59450,139
Operating Expenses 8,9759,26510,39410,61211,00612,17014,37415,30617,21018,251
Provisions12,11514,40615,78715,8246,1774,0676,0223,9784,3323,707
Profit Before Tax-2,412-8,660-8,658-4,5703,2785,5746,09910,19312,55813,553
Taxes -818-2,587-3,161-1,6401,0792,1682,2173,8093,2193,463
Profit After Tax -1,594-6,073-5,497-2,9292,1993,4063,8826,3859,33910,089
Adjusted EPS (₹)-13.94-34.20-19.67-9.316.368.519.3514.4220.9722.64
Dividend Payout Ratio (%)0%0%0%0%0%23.50%21.40%19.40%19.30%20.50%

Valuation of Bank Of India - Consolidated

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

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No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Share Capital ⓘ 1,0551,7442,7603,2783,2784,1044,1044,5534,5534,553
Total Reserves ⓘ 30,85235,01340,25441,79543,70352,41856,32966,02876,17285,405
Deposits5,42,3525,22,9975,22,5555,57,3866,29,0986,29,9816,72,1947,40,6118,19,8069,30,973
Borrowings ⓘ 39,49143,59844,26539,75232,46426,82165,01580,9601,23,8691,18,626
Minority Interest81159162151159129157161162178
Other Liabilities 18,19411,67420,88820,65524,08829,67828,23731,96731,86239,815
Total Liabilities ⓘ 6,32,0266,15,1846,30,8846,63,0197,32,7907,43,1318,26,0369,24,28010,56,42511,79,552

Assets

Balance with RBI 27,54431,57529,32229,44760,93040,53044,38238,89452,12647,660
Balance with Banks68,92064,44965,53857,16365,76351,17940,30244,22948,71151,929
Investments ⓘ 1,30,7511,40,3211,50,9051,62,3231,91,6931,80,2742,11,3242,34,5922,68,0022,79,084
Advances 3,68,3293,43,2893,42,9663,70,6443,67,6674,23,0014,88,6885,66,6446,53,5187,64,651
Net Block ⓘ 8,3498,1928,7998,7658,6379,5709,95010,17811,86511,670
Other Assets27,93527,20033,15334,38537,73538,29131,28129,59422,02024,350
Total Assets ⓘ 6,32,0266,15,1846,30,8846,63,0197,32,7907,43,1318,26,0369,24,28010,56,42511,79,552

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity ⓘ -6,624-7,366-9,218-4,82737,868-35,487-7,045-4,43718,5344,753
Cash Flow From Investing Activity ⓘ -371-26071-232-182-644-521-991-854-329
Cash Flow From Financing Activity ⓘ 3,9557,1857,983-3,1922,3981,1465413,86834-5,672
Net Cash Flow ⓘ -3,040-440-1,164-8,25140,085-34,985-7,026-1,56017,714-1,248

Financial Ratio

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios
EPS (₹)-13.90-34.20-19.70-9.306.408.509.4014.402122.60
DPS (₹)00000222.804.104.70
BVPS (₹)248.1178.7133118.1124.1120.7130.3139.9159180

Margin Ratios

Yield on Advances (%)10.811.212.011.511.19.19.810.810.99.9
Yield on Investments (%)9.57.66.47.07.17.05.86.47.17.3
Cost of Liabilities (%)4.74.94.84.64.03.73.74.64.94.8
NIM (%)2.01.82.32.52.12.02.62.62.42.2
Interest Spread (%)6.06.37.26.97.15.46.16.26.05.1

Performance Ratios

ROA (%)-0.3-1.0-0.9-0.50.30.50.50.70.90.9
ROE (%)-6.1-21.2-16.2-7.85.57.67.510.913.713.1
ROCE (%)0.8-7.1-5.3-1.36.18.49.412.011.911.0

Efficiency Ratios

Cost to Income Ratio (%)47.756.255.947.851.654.851.951.850.951.4
Operating Costs to Assets (%)1.41.51.71.61.51.61.71.71.61.6

Valuation Parameters

Price/Book(x)0.60.60.80.30.60.40.61.00.70.8

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Bank Of India FAQs

The current trading price of Bank Of India on 05-Jun-2026 16:59 is ₹141.4.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 04-Jun-2026 the market cap of Bank Of India stood at ₹63,578 Cr

The latest P/E ratio of Bank Of India as of 04-Jun-2026 is 6.04.

The latest P/B ratio of Bank Of India as of 04-Jun-2026 is 0.79.

The 52-week high of Bank Of India is ₹178.4 and the 52-week low is ₹109.0.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Bank Of India is ₹75,161 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Bank Of India is a below average quality company.

The key valuation ratios of Bank Of India's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Bank Of India is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About Bank Of India

Bank of India (BoI) was founded on September 07, 1906 by a group of eminent businessmen from Mumbai. The bank was under private ownership and control till July 1969 when it was nationalized along with 13 other banks. Beginning with one office in Mumbai, with a paid-up capital of Rs 50 lakh and 50 employees, the bank has made a rapid growth over the years and blossomed into a mighty institution with a strong national presence and sizable international operations. In business volume, the bank occupies a premier position among the nationalized banks.

The bank has many branches in India spread over all states/ union territories including specialized branches. These branches are controlled through Zonal Offices and NBG Offices. The bank came out with its maiden public issue in 1997 and follow on Qualified Institutions Placement in February 2008.
While firmly adhering to a policy of prudence and caution, the bank has been in the forefront of introducing various innovative services and systems. Business has been conducted with the successful blend of traditional values and ethics and the most modern infrastructure. The bank has been the first among the nationalized banks to establish a fully computerized branch and ATM facility at the Mahalaxmi Branch at Mumbai way back in 1989. The bank is also a founder member of SWIFT in India. It pioneered the introduction of the Health Code System in 1982, for evaluating/ rating its credit portfolio.

Business area of the bank

Bank of India provides a wide range of products and services in deposits, loans, NRI banking, cards, and online services such as Internet banking. Also a wide variety of new products and services like Kits introduced for NRI Customers opening NRE/ NRO accounts at foreign centers, Launched Marathi version of the Bank’s website, Enabling internet banking customers to make online Fixed Deposit, etc.

Awards and recognition

2012-13:

  • The Bank has been awarded as ‘The Best Bank for excellence in AADHAR related UIDAI programme of Government of India at the hands of Prime Minister at DODU village near Jaipur in Rajasthan’.
  • The Bank has been awarded the ‘Outlook Money Award 2012’ for ‘Best Education Loan’ provider.
  • Bank has been declared ET’s 2nd Most Trusted Brand in India.
  • The Bank has been conferred with National Award-2011 for implementing PMEGP scheme in West Zone.

2013-14:

  • Bank received ‘MSME Excellence Award 2013’ at the hands of Deputy Chairman, Planning Commission, Government of India.
  • Bank received ‘IBA Instituted award at BANCON 2013’ for “Most Innovative Mass Retail Lender” for underserved segments.
  • Bank has been awarded the ‘Outlook Money Award 2012’ for ‘Best Education Loan provider’.

2014-15:

  • Bank received ‘Best MSME Bank’ and ‘Best Bank for Operational Performance’ awards.
  • Bank received ‘Outlook Money Award’ for ‘Best Home Loan Provider’ under Runner up category.
  • Bank received Skoch Group ‘Financial Inclusion Deepening Award’.
  • Bank won ‘IT excellence award’ by ETNOW and VMWare for effectively implementing Virtualization in the Bank.
  • Bank received ‘Best HR Technology award, 2014’ from Banking Frontiers at Mumbai.

2015-16:

  • Bank has been rated by ET Bureau as the ‘Second Most Trusted Brand’ in India among the PSU banks in November, 2015.

2016-17:

  • Bank of India has been ranked as the 2nd Most Trusted Bank in the PSU Bank category by Economic Times.
  • Bank awarded as Best Bank for Managing IT Ecosystem among Large Banks in IDRBT Banking Technology Excellence Awards for FY 2015-16.
  • Bank received the Best Bank Award for Electronic Payments among Large Banks from IDRBT Banking Technology Excellence Awards for FY 2015-16.

2017-18:

  • Bank of India ranked as the 2nd Most Trusted Bank in the PSU Bank category by Economic Times.
  • Bank of India has been conferred ‘Market Achievers’ Award’ in Currency Derivatives Segment amongst Public Sector Banks by NSE.
  • Bank of India awarded as ‘Best Performer in Currency Derivative Segment’ amongst all Banks’ Category by BSE.
  • Bank of India awarded as ‘The Most Efficient Bank in Kenya’ by Think Business Banking Award 2018.
  • Bank of India-Uganda Subsidiary awarded for ‘Best Company Keeping Image High Award 2018’ from Indian Business Forum, Uganda.

2018-19:

  • 2nd Most Trusted Bank in the PSU Bank category by Economic Times.
  • ‘Market Achievers’ Award’ in Currency Derivatives Segment amongst Public Sector Banks by NSE.
  • ‘Best Performer in Currency Derivative Segment’ amongst all Banks’ Category by BSE.
  • Bank has been conferred Second Position among PSU Banks for performance under Sukanya Samriddhi by the National Savings Institute (Ministry of Finance) for the year 2017-18.
  • Bank of India awarded APY- Makers of Excellence Award by PFRDA for enrolment in APY in November, 2018.
  • ‘India’s Top Organisation with Innovative HR Practices’ award in PSUs in the Asia Pacific HRM Congress in Bengaluru.

2019-20:

  • Bank of India won the second Most Trusted Brand Award in the Banks category awarded by the Reader’s Digest Trusted Brand, 2019.
  • In the India Banking Summit & Awards 2019, Bank of India ranked as Best Public Sector Bank 2019 by Synnex Group. 
  • Best Performing Public Sector Bank in APY Formation Day Campaign (FY2019-20) by PFRDA.
  • ETBFSI Excellence Awards 2019- Most Innovative Large Size Bank of the Year for QR Cash.
  • Bank of India has been conferred CSO-100 Award-2019 from IDG Media for Implementation of Best Information Security Practices.
  • Bank has won Infosys Finacle Clients Innovation Award 2019.
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