Track Bank of Baroda live share price with 52 week high and low, chart views, fundamentals, financial highlights, shareholding pattern, ratios, peer comparison, dividends, bonuses/splits and business details for beginners and retail investors.
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Bank of Baroda was established in 1908 and is one of India’s large public sector banking and financial services institutions. It is headquartered in Vadodara, Gujarat, with a major domestic branch network and international presence. The bank serves individuals, farmers, small businesses, corporates, government entities, NRIs and overseas customers through physical branches, ATMs, digital channels and self-service platforms.
The bank became larger after the amalgamation of Vijaya Bank and Dena Bank with Bank of Baroda from 1 April 2019. For customers, the bank is relevant for deposits, loans, cards, digital banking and payment services. For investors, it is usually analysed as a public sector banking stock where credit growth, margins, asset quality, capital adequacy and dividend policy are important.
This page is educational and does not provide buy, sell or hold advice. Investors should verify the latest financial results, shareholding pattern, dividend announcements, bonus issues, stock splits and regulatory disclosures from official exchange filings before making any investment decision.
Bank of Baroda is generally studied through retail banking, agriculture banking, MSME banking, corporate banking, treasury, international banking and digital banking.
Bank of Baroda’s core business model is based on accepting deposits and lending those funds to retail, agriculture, MSME, corporate and international borrowers. The difference between interest earned on loans and investments and interest paid on deposits is known as net interest income.
The bank also earns non-interest income through account services, cards, payment channels, processing fees, commission income, trade finance, foreign exchange, distribution of third-party financial products and treasury operations. Important investor monitorables include deposit growth, loan growth, CASA ratio, NIM, credit cost, NPA ratios, provision coverage and capital adequacy.
Bank of Baroda serves retail, agriculture, MSME, corporate, international, treasury and digital banking customers. Investors often track the RAM portfolio, which includes retail, agriculture and MSME loans.
| Business / Segment Metric | Mar 2025 | Mar 2026 | Investor meaning |
|---|---|---|---|
| Total Business | ₹27,02,496 Cr | ₹30,78,366 Cr | Deposits plus advances; shows overall scale |
| Global Deposits | ₹14,72,035 Cr | ₹16,48,487 Cr | Deposit franchise supports lending growth |
| Global Advances | ₹12,30,461 Cr | ₹14,29,879 Cr | Total loan book across domestic and international operations |
| Domestic Advances | ₹10,21,112 Cr | ₹11,69,458 Cr | Core India lending book |
| Organic Retail Advances | ₹2,56,633 Cr | ₹3,02,598 Cr | Retail loans such as home, auto, mortgage and education loans |
| Agriculture Loans | — | ₹1,91,063 Cr | Priority-sector and farm-linked credit exposure |
| Organic MSME Portfolio | — | ₹1,59,786 Cr | Small business and enterprise lending |
| Corporate Advances | — | ₹4,56,584 Cr | Large business and institutional lending exposure |
Segment figures are educational highlights. Verify the latest quarterly presentation, annual report and exchange filings for updated segment classifications or revised figures.
The profit and loss table shows interest income, interest expenses, net interest income, operating profit, provisions and net profit. For banks, net interest income, operating profit, provisions and asset quality trends are especially important.
| Particulars | FY 2024-25 | FY 2025-26 | Q4 FY 2025-26 |
|---|---|---|---|
| Interest Income | ₹1,22,301 Cr | ₹1,26,994 Cr | ₹32,642 Cr |
| Interest Expenses | ₹75,783 Cr | ₹79,311 Cr | ₹20,148 Cr |
| Net Interest Income | ₹46,518 Cr | ₹47,682 Cr | ₹12,494 Cr |
| Non-Interest Income | ₹15,788 Cr | ₹15,757 Cr | ₹3,967 Cr |
| Operating Income | ₹62,306 Cr | ₹63,439 Cr | ₹16,460 Cr |
| Operating Expenses | ₹29,871 Cr | ₹31,180 Cr | ₹7,391 Cr |
| Operating Profit | ₹32,435 Cr | ₹32,259 Cr | ₹9,069 Cr |
| Total Provisions | ₹5,980 Cr | ₹7,149 Cr | ₹3,150 Cr |
| Profit Before Tax | ₹26,454 Cr | ₹25,110 Cr | ₹5,919 Cr |
| Net Profit | ₹19,581 Cr | ₹20,021 Cr | ₹5,616 Cr |
Financial figures should be verified from the latest audited results, quarterly results, annual report and exchange filings.
For a bank, deposits and advances are key balance sheet drivers. CASA and capital adequacy also matter because they influence funding cost, stability and regulatory strength.
| Particulars | Mar 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|
| Domestic Deposits | ₹12,42,169 Cr | ₹13,07,189 Cr | ₹14,01,290 Cr |
| Domestic CASA | ₹4,96,462 Cr | ₹5,02,560 Cr | ₹5,45,034 Cr |
| Global Deposits | ₹14,72,035 Cr | ₹15,46,749 Cr | ₹16,48,487 Cr |
| Domestic Advances | ₹10,21,112 Cr | ₹10,96,557 Cr | ₹11,69,458 Cr |
| Organic Retail Loan Portfolio | ₹2,56,633 Cr | ₹2,85,786 Cr | ₹3,02,598 Cr |
| Global Advances | ₹12,30,461 Cr | ₹13,44,904 Cr | ₹14,29,879 Cr |
| Capital Adequacy Ratio | 17.19% | 15.29% | 15.82% |
| CET-1 Ratio | 13.78% | 12.45% | 13.16% |
Balance sheet numbers are a simplified investor snapshot. Verify the latest balance sheet, Basel disclosures and regulatory capital data from official filings.
Bank cash flow analysis differs from manufacturing companies because deposits, advances and treasury investments move through the banking balance sheet. Beginners can use business growth, deposit quality, loan growth, asset quality and capital adequacy as practical context.
| Business / Segment Metric | Mar 2025 | Mar 2026 | Investor meaning |
|---|---|---|---|
| Total Business | ₹27,02,496 Cr | ₹30,78,366 Cr | Deposits plus advances; shows overall scale |
| Global Deposits | ₹14,72,035 Cr | ₹16,48,487 Cr | Deposit franchise supports lending growth |
| Global Advances | ₹12,30,461 Cr | ₹14,29,879 Cr | Total loan book across domestic and international operations |
| Domestic Advances | ₹10,21,112 Cr | ₹11,69,458 Cr | Core India lending book |
| Organic Retail Advances | ₹2,56,633 Cr | ₹3,02,598 Cr | Retail loans such as home, auto, mortgage and education loans |
| Agriculture Loans | — | ₹1,91,063 Cr | Priority-sector and farm-linked credit exposure |
| Organic MSME Portfolio | — | ₹1,59,786 Cr | Small business and enterprise lending |
| Corporate Advances | — | ₹4,56,584 Cr | Large business and institutional lending exposure |
Use official annual report cash flow statements for accounting-level cash flow analysis.
Banking ratios help investors judge profitability, asset quality, capital strength and operating quality. NIM tracks lending spread, ROA and ROE track returns, GNPA and NNPA track asset quality, while CRAR and CET-1 track capital strength.
| Metric | Q4 FY25 | Q3 FY26 | Q4 FY26 | FY26 |
|---|---|---|---|---|
| Global NIM | 2.98% | 2.79% | 2.89% | 2.89% |
| Domestic NIM | 3.16% | 2.93% | 3.08% | 3.04% |
| Return on Assets | 1.16% | 1.09% | 1.15% | 1.06% |
| Return on Equity | 17.49% | 15.59% | 17.27% | 15.39% |
| Capital Adequacy Ratio | 17.19% | 15.29% | 15.82% | 15.82% |
| CET-1 Ratio | 13.78% | 12.45% | 13.16% | 13.16% |
| Gross NPA Ratio | 2.26% | 2.04% | 1.89% | 1.89% |
| Net NPA Ratio | 0.58% | 0.57% | 0.45% | 0.45% |
| Credit Cost | — | — | 0.76% | 0.46% |
Ratios can change every quarter. Always verify the latest ratio definitions and values from company results and exchange filings.
Peer comparison helps users understand relative scale and quality, but it should not be used as an automatic buy or sell signal. Compare valuation only after checking asset quality, credit cost, return ratios and capital strength.
| Peer | Yahoo symbol | Bank type | What to compare | Investor note |
|---|---|---|---|---|
| Bank of Baroda | BANKBARODA.NS | Large public sector bank | Base company: deposits, advances, NIM, NPA ratios, ROA, ROE and capital adequacy | Compare latest filings before drawing conclusions |
| State Bank of India | SBIN.NS | Largest public sector bank | Scale, CASA, asset quality, capital strength and subsidiaries | Useful large PSU benchmark |
| Punjab National Bank | PNB.NS | Public sector bank | Asset quality trend, credit cost, deposit growth and valuation | Comparable PSU banking franchise |
| Canara Bank | CANBK.NS | Public sector bank | Loan growth, NIM, ROA, ROE and GNPA/NNPA | Often compared in PSU bank baskets |
| Union Bank of India | UNIONBANK.NS | Public sector bank | Profitability, credit cost, capital adequacy and deposit mix | Monitor quarterly trend differences |
| Indian Bank | INDIANB.NS | Public sector bank | Asset quality, return ratios, business growth and valuation | Peer comparison should use latest numbers |
Peer data should be updated from the latest quarterly results and live market prices.
Corporate actions can affect investor returns, price adjustment and eligibility. Dividend recommendations are usually subject to shareholder approval, record date rules and exchange timelines.
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2025-26 | Board recommended ₹8.50 per equity share | Subject to requisite approvals; verify record date, ex-date and payment date from official exchange filings |
| FY 2024-25 | Dividend history available in company and exchange filings | Verify exact dividend per share, record date and eligibility from official sources |
| FY 2023-24 | Dividend history available in company and exchange filings | Use annual report, BSE, NSE and company investor relations page for final figures |
| Action | Detail | Note |
|---|---|---|
| Stock Split | Face value split from ₹10 to ₹2 in 2015 | Historical corporate action; verify ex-date and adjustment details from exchange filings |
| Bonus Issue | No recent bonus detail is embedded in this page | Check BSE, NSE and company announcements for any future bonus issue |
| Face Value | ₹2 per equity share | Verify latest face value from exchange master data or company filings |
Always verify the latest dividend, bonus, split, record date, ex-date and payment details from official BSE, NSE and Bank of Baroda filings.
Bank of Baroda is exposed to credit risk, interest rate risk, deposit competition, regulatory changes, macroeconomic cycles and public sector ownership dynamics. Investors should track whether loan growth is supported by healthy deposits, whether margins remain stable, whether NPAs and credit costs stay controlled, and whether capital adequacy remains comfortable.
These FAQs help users understand Bank of Baroda beyond the share price, including products, services, business model, risks, dividends, corporate actions and investment monitorables.
Bank of Baroda is an Indian public sector bank offering savings accounts, current accounts, deposits, loans, cards, MSME banking, corporate banking, NRI banking, treasury services, digital banking and international banking services.
The NSE symbol is BANKBARODA and the Yahoo Finance-compatible symbol used on this page is BANKBARODA.NS. The BSE code is 532134. Verify symbols from NSE, BSE or the company investor relations page before using them in trading systems.
The bank earns net interest income by lending at rates higher than its funding cost. It also earns non-interest income from cards, payments, account services, trade finance, treasury, foreign exchange, commission income and distribution of financial products.
Yes. Bank of Baroda is a public sector bank and the Government of India, through the President of India, is the promoter shareholder. Public sector ownership can influence capital decisions, governance and investor perception.
Important monitorables include deposit growth, loan growth, CASA ratio, net interest margin, gross and net NPA ratios, provision coverage, credit cost, capital adequacy, return on assets, return on equity, dividend policy and valuation compared with other banks.
Key risks include asset quality stress, higher credit cost, slower deposit growth, net interest margin pressure, regulatory changes, capital requirements, competition from private banks and fintechs, and macroeconomic weakness affecting borrowers.
Bank of Baroda has paid dividends in the past and may recommend dividends based on profitability, capital requirements and approvals. Verify the latest dividend amount, record date, ex-date and payment date from official exchange filings.
This page includes a high-level corporate action section. Historical and future bonus or split details should always be verified from BSE, NSE and official company filings because record dates and adjustment terms matter.
Customers should compare fees, minimum balance rules, interest rates, loan processing charges, card charges, digital banking experience, branch access, customer service and eligibility before choosing any banking product.
Use only official apps and websites, enable alerts, keep your registered mobile number updated, avoid public Wi-Fi for banking and never share OTP, PIN, CVV, passwords or UPI PIN.
Users should verify financial results, shareholding pattern, dividends, bonuses, splits and announcements from Bank of Baroda investor relations, NSE, BSE and official regulatory filings.
No. This page is educational and informational. It explains price data, financial highlights, business drivers, risks and investor monitorables without giving buy, sell or hold recommendations.
