BANKINDIA
Bank of India (BANKINDIA) Stock Analysis
Bank of India is a Indian public sector bank headquartered in Mumbai serving retail and corporate customers nationwide. It provides loans, deposits, treasury, and international banking through branches in India and abroad. The bank is owned substantially by the Government of India. It is a listed large-cap PSU bank stock.
Financial Services › Banks - Regional
₹134.30
+1.65% 1W | +8.20% 52W
Market Cap
61.2k CR
P/E Ratio
5.2
52W High
₹178.4
52W Low
₹122.2
Div. Yield
3.49%
Beta
0.7
50 DMA
₹139.7
200 DMA
₹147
Profit Margin
35%
Inst. Own.
15.2%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 14,442 | 15,062 | 15,319 | 16,250 | 17,046 | 17,466 | 18,317 | 18,479 | 18,467 | 18,521 | 19,052 | 19,573 | 20,097 |
| Interest | 8,467 | 9,256 | 9,792 | 10,242 | 10,693 | 11,403 | 12,166 | 12,333 | 12,321 | 12,530 | 12,504 | 12,785 | 13,156 |
| Expenses | 4,579 | 4,546 | 4,190 | 6,041 | 5,269 | 5,456 | 4,485 | 6,050 | 5,399 | 4,849 | 5,201 | 5,989 | 5,390 |
| Financing Profit | 1,396 | 1,260 | 1,337 | -33 | 1,084 | 607 | 1,666 | 97 | 747 | 1,142 | 1,346 | 800 | 1,551 |
| Financing Margin % | 10% | 8% | 9% | -0% | 6% | 3% | 9% | 1% | 4% | 6% | 7% | 4% | 8% |
| Other Income | 1,484 | 1,717 | 1,202 | 1,830 | 1,338 | 2,532 | 1,780 | 3,455 | 1,692 | 2,218 | 2,327 | 3,280 | 2,615 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,880 | 2,977 | 2,539 | 1,797 | 2,422 | 3,138 | 3,447 | 3,551 | 2,439 | 3,361 | 3,674 | 4,079 | 4,167 |
| Tax % | 48% | 50% | 25% | 17% | 28% | 24% | 26% | 25% | 28% | 25% | 25% | 25% | 25% |
| Net Profit | 1,562 | 1,499 | 1,931 | 1,574 | 1,890 | 2,422 | 2,638 | 2,602 | 1,831 | 2,576 | 2,814 | 3,089 | 3,304 |
| EPS in Rs | 3.81 | 3.65 | 4.24 | 3.46 | 4.15 | 5.32 | 5.79 | 5.72 | 4.02 | 5.66 | 6.18 | 6.78 | 7.25 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 43,685 | 42,093 | 39,585 | 38,313 | 41,005 | 42,591 | 40,854 | 38,281 | 47,932 | 61,073 | 71,308 | 75,613 | 77,244 |
| Interest | 32,220 | 30,245 | 27,606 | 27,679 | 27,207 | 27,191 | 26,421 | 24,083 | 27,441 | 37,757 | 46,594 | 50,139 | 50,975 |
| Expenses | 13,600 | 19,842 | 21,218 | 24,618 | 26,874 | 26,386 | 17,672 | 16,263 | 21,177 | 18,848 | 20,656 | 20,708 | 21,429 |
| Financing Profit | -2,135 | -7,994 | -9,239 | -13,984 | -13,076 | -10,987 | -3,239 | -2,065 | -686 | 4,469 | 4,057 | 4,766 | 4,840 |
| Financing Margin % | -5% | -19% | -23% | -36% | -32% | -26% | -8% | -5% | -1% | 7% | 6% | 6% | 6% |
| Other Income | 4,278 | 3,672 | 6,819 | 5,846 | 4,862 | 6,687 | 6,778 | 8,092 | 7,168 | 6,415 | 9,317 | 9,737 | 10,441 |
| Depreciation | 291 | 290 | -7 | 522 | 373 | 392 | 380 | 372 | 427 | 509 | 604 | 731 | 0 |
| Profit before tax | 1,852 | -4,612 | -2,412 | -8,660 | -8,587 | -4,692 | 3,160 | 5,655 | 6,056 | 10,375 | 12,771 | 13,773 | 15,281 |
| Tax % | 6% | 37% | -34% | -30% | -37% | -35% | 34% | 38% | 37% | 37% | 25% | 25% | |
| Net Profit | 2,015 | -6,276 | -1,492 | -5,982 | -5,426 | -3,051 | 2,081 | 3,487 | 3,839 | 6,567 | 9,552 | 10,309 | 11,783 |
| EPS in Rs | 30.27 | -75.98 | -13.94 | -34.20 | -19.67 | -9.31 | 6.36 | 8.51 | 9.35 | 14.42 | 20.97 | 22.64 | 25.87 |
| Dividend Payout % | 17% | 0% | 0% | 0% | 0% | 0% | 0% | 24% | 21% | 19% | 19% | 21% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 16.0% | 13.0% | 6.0% |
| Profit CAGR | 42.0% | 39.0% | 14.0% |
Shareholding Pattern
Promoters73.38%
FIIs3.53%
DIIs15.97%
Public7.13%
Promoters73.38%
FIIs4.24%
DIIs15.63%
Public6.76%
Promoters73.38%
FIIs5.82%
DIIs15.18%
Public5.62%
Promoters73.38%
FIIs7.26%
DIIs13.96%
Public5.40%
Promoters73.38%
FIIs6.87%
DIIs13.96%
Public5.78%
Promoters81.41%
FIIs2.67%
DIIs10.36%
Public5.57%
Promoters73.38%
FIIs4.52%
DIIs15.82%
Public6.27%
Promoters73.38%
FIIs3.88%
DIIs15.90%
Public6.83%
Promoters73.38%
FIIs7.26%
DIIs13.96%
Public5.40%
Promoters73.38%
FIIs6.87%
DIIs13.96%
Public5.78%
BANKINDIA
Holdings Analysis
Key strengths & risk signals
69
Overall
84
Fundamental
54
Technical
Risks (4)
HIGH DEBT! D/E of 1.16 - caution advised.
WEAK POSITION! Current price (133.4) is below both moving averages.
WEAK! Trading at 19.9% of 52W range - near yearly lows.
NEGATIVE MOMENTUM! Price declined across timeframes - down 0.1% (1 week), 4.7% (1 month), 6.0% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 35.0% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 14 up days, 15 down days. Avg volume on up days: 6,727,681 vs down days: 4,975,551. Ratio: 1.35x
NEUTRAL! RSI at 43.5 - balanced momentum.
Fundamental & Technical Analysis
70Overall
84Fundamental
56Technical
Fundamental Breakdown
Growth Quality
23/30
Revenue CAGR: 7.3% (MODERATE, 8/15). Profit CAGR: 39.0% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 35.0% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.13 indicates stock is cheap relative to growth.
Dividend Yield
7/10
GOOD DIVIDEND! 3.49% yield - decent income potential.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.16 - caution advised.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 6.44% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (139.7) is below 200-day average (147.0) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (134.3) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
4/10
POSITIVE YEAR! Stock gained 8.2% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 15 up days, 14 down days. Avg volume on up days: 6,778,054 vs down days: 4,995,630. Ratio: 1.36x
RSI
3/5
NEUTRAL! RSI at 45.9 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 21.5% of 52W range - weakness visible.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 1.6% (1 week), -4.0% (1 month), -7.5% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
BANKINDIA
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-30 | Concall PDF | |
| Q2FY262026-01-28 | Concall PDF | |
| Q1FY262025-10-27 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BANKINDIA | ₹134.30 | 5.2 | 35.0% | 7.3% | 39.0% | +8.2% | 70 | APPROACHING SUPPORT | +80.5% | +7.0% | +14.4% | -5.1% |
| RBLBANK | ₹388.10 | 28 | 11.1% | 12.2% | -1.5% | +43.4% | 53 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
| IOB | ₹30.80 | 10 | 36.6% | 14.2% | 37.1% | -20.8% | 65 | BOUNCE FROM SUPPORT | +45.6% | +10.3% | +38.3% | +22.8% |
| MAHABANK | ₹83.70 | 8.5 | 53.4% | 15.6% | 39.1% | +50.9% | 84 | APPROACHING SUPPORT | +34.5% | -1.1% | +16.6% | +3.4% |
| YESBANK | ₹20.90 | 17.5 | 23.2% | 25.3% | 68.4% | -12.1% | 66 | APPROACHING SUPPORT | +32.6% | -1.0% | +11.0% | +4.7% |
| IDFCFIRSTB | ₹78.80 | 30.4 | 9.1% | 19.6% | -13.5% | +9.2% | 57 | APPROACHING SUPPORT | +153.1% | +247.2% | +15.7% | +13.4% |
| INDUSINDBK | ₹877.40 | 51.4 | 7.6% | -0.4% | -50.7% | +14.8% | 55 | APPROACHING SUPPORT | +71.7% | +74.5% | -4.8% | +6.3% |
| AUBANK | ₹991.50 | 26.1 | 25.6% | 30.4% | 22.8% | +27.1% | 77 | APPROACHING SUPPORT | +37.0% | -4.3% | +18.5% | +2.2% |
Data from TradeAlone · Updated daily
BANKINDIA News
Bank of India Q1 FY27: Net Profit Up 36.23%, Global Business Grows 16.57% Yoy2026-07-24Bank of India (BANKINDIA) gains 5% intraday, nears resistance2026-07-10Bank of India (BANKINDIA) breaks below support, falls 5%2026-07-08Bank-of-india-posts-14.85%-profit-growth-in-q1-fy262026-05-08Bank of India Reports 14.19% Yoy Profit Growth for Fy262026-05-08
